Ask Larry

Filing Options

Can I Stop My SSDI Benefits And Start Collecting Widow's Benefits Instead?

I am 65 yr old widow can I take my Social Security few months early and stop my SSDI benefits

Hi. No, you can't voluntarily stop receiving Social Security disability (SSDI) benefits. The only way that you could stop your SSDI benefits is by withdrawing your application, which you almost certainly would NOT want to do because you would then have to repay all of the benefits you've been paid up to now.

Friday, September 17, 2021 - 12:16

What Is The Correct Policy For Receiving A Percentage Of Your Husband's SS Funds?

My husband is 66y/o started receiving Social Security August of 2021. When we applied we discuss with a SS rep, regarding me received 48.5 percent of my husbands SS check monthly. The rep stated yes I could get 48.8 percent after my husband started receiving funds. On Sept 14 I called the SS 800# and I was told I cannot received 1/2 of my husbands funds as previous discuss because I was not born before 1954. Apparently, the law changed a couple years ago and those of us born after 1954 are not eligible.

Thursday, September 16, 2021 - 18:41

Can My Wife Take Spousal Benefits When I'm 62?

Hi Larry,
My wife has been on S.S. disability for anxiety for over 20 years. She receives about $765 per month. She is 60 years old. I work full time making about $80,000 per year. I am only 50 years old. My question is, is she stuck with the $765 per month the rest of her life or can she take my spousal benefit when I'm 62?
Thank you so much for any advice.

Wednesday, September 15, 2021 - 16:00

Do You Know Of Any Information I'm Missing?

I am 64 and have a FRA of 66 and 6 months. I spent a number of years out of the market due to raising children and caring for parents. My marriage of 30 years ended in 2015. I understand that I can take 1/2 of former spouses amount.
I am in the lower margin of income so 1/2 of spouses will be about $1200 a month. So do you know of any info I am missing? File and suspend does not apply to my situation.
Thanks for the advice

Tuesday, September 7, 2021 - 14:50

Can My Wife File Early Based On My Earnings And Delay Filing For Her Own Benefits Until Age 72?


I'm 50, my wife is 43. We have a 5 year old child. My FRA is 67, at which point she will be 60. I would like I to delay filing for social security until 72 to let it max out, and then claim it. At that point, she will be 65, 2 years short FRA. Can she file for early retirement against my earnings, delay filing against her own SS until 72, and then switch over to that to get the max amount?

Friday, September 3, 2021 - 13:23

If My Wife Claims Her Own Benefits At 62 Will She Still Get 50% Of My Benefit When I Start Collecting?

If my Wife claims her Social Security early at 62 and then claims spousal benefits when I claim at 70 (and she will be 68), will she get 50% of my benefit or a reduced spousal benefit amount because she claimed her social security at 62?

Monday, August 30, 2021 - 10:22
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