Ask Larry

Filing For Benefits

When Should I File In Order To Get My Full 32% Of Delayed Credits In My First Check?

I turn 70 in mid December and would like to see and get the delayed credits of 32% benefit in my first check. When is the optimal time/date to file? Thanks! George

Hi George,

You'll get the full 32% rate increase from delayed retirement credits (DRC) if you claim your benefits effective with December (i.e. the month in which you reach age 70). Your first payment would then be scheduled for January, since Social Security pays benefits a month behind. You can file your application up to 4 months in advance, so you could apply now if you like.

Saturday, August 22, 2020 - 09:33

How Do I File And Suspend My Benefits?

I am 66 and want to file and suspend until I’m 70. How do I do this? I went online to file but there is no where to suspend. I called the SSA twice but they have no idea what I’m talking about.


If you don't want to draw benefits until age 70, I can't conceive of any reason why you'd want to apply now and suspend your benefits. It would be much simpler to simply wait until you're about to turn age 70 to apply, and you'll still accrue delayed retirement credits (DRC) if you wait to apply as opposed to filing now and suspending your benefits..

Tuesday, August 18, 2020 - 10:57

How Do I Complete Form SSA-795?

I am receiving survivor benefit based on my wife's record now and want to switch to receive the benefit based on my own record, which is higher, when I turn 70 in April 2021. I was told to fill out SSA 795 but not sure how. I have three questions.
1. What do I put on the first page of the form under the big blank space after I hereby certify that?
2. When should I file the form to start receiving the new benefit when I turn 70 in April 2021?
3. Where do I send the form and should it be submitted electronically or thru regular mail?

Monday, August 10, 2020 - 08:34

How Soon Do I Need To Contact Social Security To Switch To My Own Social Security?

Hi Larry. I will be 70 years old in March of 2021. I started drawing my deceased husband's social security in Jan of 2017 at my full benefit age of 66. At the time there was about $50 difference between his and mine. I opted to collect his and wait until I turn 70 in order to switch to my social security in order to collect more at that time. How soon do I need to contact the Social Security Administration to switch to my social security and are there any suggestions or advice you can give me to make this process go smoothly? Thank you.


Monday, July 27, 2020 - 11:20

Why Is It So Hard To Apply For Social Security?

why is it so had to apply for social security especially when you know you are eligible


I don't know what kind of problems you've encountered, but in most cases it's not that difficult to apply for benefits. The current pandemic has caused a lot of problems for Social Security, though, and while their offices are closed to the public the only options for filing are either a) online (, or b) by telephone.

Thursday, July 16, 2020 - 17:31

How Should I Answer The Application Question Asking What Month Benefits Should Start?

The question on the social security application reads Benefits should start in ? Options are 1/20 through calendar until 11/20 no 12/20. My birthday is 10/23/1950. If I answer 11/20 will I receive a check in November. My understanding Is for social security purpose I am considered 70 on 10/1/20 and should receive my first check in November


Wednesday, July 8, 2020 - 09:40
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