Filing Options

Can I Apply For My Own Benefits And Also Get Part Of My Deceased Spouse's Benefits?

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I read on one of the links that if your spouse had passed and when applying to benefits that you could be entitled for part of your spouse benefits included with your benefits. When I asked the question to the analyst that assisted me I was told that I had to chose which one that I wanted to receive. Thank you

Hi,

Can I Apply For My Social Security And Get More Than What I'm Getting From SSDI?

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I am 62 years old I gotten SSD1 Since2017 I get 849 dollars I worked all my life I stop working when I got diagnosed with scoliosis it made it hardy for me to work along with my chronic arthritis. I worked for over 20 years as a Certified Nursing Assistant can I apply for my SS and get more than what I am getting a month.could you please let me know. Thank You
Judith

Hi Judith,

Did I Receive The Correct Information From Social Security?

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Dear Larry, thank you so much for taking the time to share your expertise and advise.
I have been married for 15 years - my husband is of full retirement age (BIRTH DATE 7/9/54) and has started to draw his social security benefits a few months ago. My birth date is 9/17/1955 and I want to work until I am 70 years of age to increase my benefit.

Could Benefits Be Claimed Retroactively In This Case?

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Hello,

Suppose Alice decides to take her Social Security retirement benefit in October. Then suppose that she and her husband Bill discover the following January that their adult child Chris, disabled since birth, can receive Disabled Adult Child benefits off her work record, and that Bill can also receive Child-in-Care benefits off her work record as well. Can Bill and Chris apply for their payments retroactive to Alice's start date in November or can their benefits only start after they apply in the following January?

Hi,

What Would Happen If I Apply At Age 69 1/2 And I Elect To Receive 6 Months Of Retroactive Benefits?

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I’m 68 and will be 69 on April 2, 2021. If I understand correctly how retroactive payment works, should I wait until October 2, 2021 (6 months after I reach 69 years old) to file for my SS benefit, receive retroactive benefits AND receive the 8 percent additional amount for year 2021?

Hi,

When Should I Apply For FRB, And How Will It Affect My Divorced Spousal Benefits?

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Hello Larry et. al. I had purchased your book about four years ago and thanks for the valuable information that you and your colleagues shared, I was able to do a "restrictive" Social Security on my ex wife. I will be turning 70 in mid January. I had also worked for the New York City Transit Dept. in the Railroad sector. Question: (A) Do I start applying for FRB now to be effective mid January? (B) Will I then forfeit my ex's restrictive SSB once I do get my FRB at 70? and lastly, (c). Am I entitled to any railroad retirement benefits from SS.

Will I Now Get My Husband's Full Amount And Still Be Able To Postpone My Own Benefits Until Age 70?

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My husband took social security at 62. I took ½ my husband’s social security at 66 (my FRA) and postponed taking mine until 70 (we’re both 1953 kids). My husband just passed away. I assume I’m entitled to 100% of what he was getting and the payment for me will be cancelled and I’ll still postpone mine until 70. Since we’re both receiving benefits, social security won’t give me estimates over the phone. Can you tell me if this sounds right. I know the SSA will take months and I’m just trying to plan. Thank you so much for your input.

Hi,

Can My Wife Start Collecting Her Benefits At Age 65 And Then Change To Drawing Spousal Benefits At FRA?

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Hello Larry,
My wife and I are both age 62.5. Our FRA is 66.5.
I plan to start collecting Social Security at age 65 (with some reduced benefits from FRA). If my wife also starts collecting Social Security at age 65, can she then change to claim my higher Spousal benefits at her FRA (66.5)? Would the formula be based on my earlier locked in reduced benefits or at the rate I would have received if I had waited till FRA myself? Thank you for your answer. I am just in a planning stage now, but I think your program would be a good value for me to purchase shortly.