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Filing Options

Is It Correct That I Can File For Reduced Retirement Benefits And Disability Benefits?

hi I am 58 and plan to retire at 62. I have significant hearing impairment and tinnitus. I wear hearing aids in both ears and hearing loss/speech recognition is moderate to severe fairly equally in both ears. I struggle at work and most things must be repeated more than once depending upon the person's speech tone/register. I have a home and cannot afford to have any months or years without income.

Posted: 
Monday, April 19, 2021 - 16:05

Is It Correct That I Can File For Reduced Retirement Benefits And Disability Benefits?

hi I am 58 and plan to retire at 62. I have significant hearing impairment and tinnitus. I wear hearing aids in both ears and hearing loss/speech recognition is moderate to severe fairly equally in both ears. I struggle at work and most things must be repeated more than once depending upon the person's speech tone/register. I have a home and cannot afford to have any months or years without income.

Posted: 
Monday, April 19, 2021 - 16:03

Is It True That I Can Collect My Current SS Retirement Benefits Along With My Husband's Retirement Funds?

My husband passed in January of this year and I have been told by family that I can collect my current SS retirement funds ALONG WITH his retirement funds he was receiving. Is this correct information? What do I need to do to file for the both benefits if so?
Thank you, Lucky O

Posted: 
Monday, April 12, 2021 - 18:28

If My Wife Switches From Spousal Benefits To Her Own Benefits Retroactively, Will Social Security Recover What She Was Paid For Those Months From Her Back Pay?

If my wife is receiving spousal benefits, and files to switch to her retirement benefit only, and retroactive 6 months, will social security recover her spousal amount she received for those last six months, before they pay her the lump sum ? Thank you, Jim

Posted: 
Sunday, April 11, 2021 - 11:13

Can My Wife File For Spousal Benefits When I Start Drawing My Benefits And Wait Until Age 70 To File For Her Own Benefits?

Born June 1955 and spouse born May 1956. Both intend to file at 70. In June 2025 (at 70) can my spouse (then 69) file for spousal benefits (50% of my PIA) and the following year when she turns 70 switch to her maximum amount of direct retirement credits which I think is larger than the spousal benefit?

Posted: 
Friday, April 9, 2021 - 13:20

Would My Wife Get Half Of My Age 62 Rate As A Spouse?

Hey Larry,
My wife and I were in the very fortunate position to retire early last year. Both of us have earned enough credits to qualify for social security benefits. If my wife begins receiving hers at age 62 later in 2021, would she be eligible to file for and collect the difference between her lifetime monthly benefit and 50% of the benefit I will receive at age 62 in 2022? My benefit payment at age 62 is approximately 3-times the amount my wife would receive.
Thanks,
CD

Posted: 
Tuesday, April 6, 2021 - 17:48

Can A Person File For Their Own Benefits At Age 62 And Suspend Them At Age 64 To Draw Widow's Benefits?

Hello,

Suppose higher-earning spouse Hi and lower-earning spouse Lo live with their disabled adult child DAC. Lo decides to take retirement benefits at age 62 while Hi wants to wait until 70. But now Hi passes away early, before claiming, while Lo is only 64.

Posted: 
Saturday, April 3, 2021 - 07:51
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