Filing Options

Can I Suspend My Benefits And Draw On My Wife's Record?

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Hi Larry: I was born in Sept. 1955 and my wife was born in 1952. I am a 100% disabled veteran and was DENIED after two years of working with an attorney to be approved for SS Disability. During this time my lawyer, who was confident that we would be approved, said I should start drawing on my regular SS at a reduced rate., which I did, under his advice. I started drawing my reduced benefit in Sept. 2018. . . Am I able to suspend and draw on my wife's social security, she began her benefits a full age.

Would My Wife Receive Half Of My Age 70 Rate If I Wait Until Then To Start Drawing?

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I am 66 in August and my wife is 63 we are both retired. According to our most recent SS Statements my wife would receive $615 at 66 and $836 at age 70. I would receive $2462 at 66 and $3250 if I wait until 70. Would my wife receive spousal benefits of $1625 if we waited until I was 70 or is she limited to 50% of my PIA at 66 or $1231?

Hi,

Can I Apply For Myself And My Daughter And Have My Wife Wait For A Later Date To Apply For Spousal Benefits?

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I am considering applying for SS next year at age 62. I have an adult child with special needs. I understand she will be eligible to 50% of my full retirement and my wife will also be eligible for SS under my record. My wife will be 63. Can I apply for my SS and my daughter and wait for a later date to apply for my wife's Spousal benefit so that my daughter will receive a larger amount based on my family maximum benefit and have my wife receive a lesser amount? My thought is that my daughter will receive SSDI, which is tax free and mine and my wife's will be taxable.

Can My Wife Switch To Spousal Benefits On My Account When I File For My Benefits?

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My wife born 3/21/50 claimed her social security at age 67. As for me, born 2/29/52 I am delaying mine until age 70, I have claimed spousal benefits, drawing 1/2 of my wife's social security. When I claim my social security at age 70, can my wife switch to the spousal benefits on my account? What does that mean? What is the advantage?

Hi,

If A Person Files A Couple Months After Turning Age 70 Can They Still Claim 6 Months Of Retroactive Benefits?

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If a person misses filing at age 70 by a couple months, can they still file for the 6 months of retroactive benefits? Local SSA office is saying it is illegal to pay retroactive benefits after reaching age 70.

Hi,

Yes. If a person hasn't yet filed for their benefits and they are past age 70, they can still claim benefits retroactively for up to 6 months prior to their month of filing (https://secure.ssa.gov/apps10/poms.nsf/lnx/0200204030).

Am I Eligible To Draw Just Widower's Benefits And Wait Until Age 70 To Draw My Own Benefits?

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Larry and your colleagues -- thank you very much for providing an excellent service to the community. My question is a bit complicated -- hopefully you will be able to find time time to answer it. I was born in 1953. I have been qualified and received social security disability benefits until I was 66 and then my social security benefits converted into my regular social security benefits upon reaching my FRA.

Can I File For Spousal Benefits At Age 62 And Get Off Of SSDI?

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Hi i am 60 and on SSDI. I want to get off and maybe move back to the UK. Is there a way for me to file on spouses at 62 and get of SSDI? I don't think i can get SSDI and live abroad, although thats all very vague. If i file on his i would get 50% right? 50% of a reduced amount? So if his is say 1600 - 50% say 25% = 600.00? What happens when i reach FRA? Will it switch back to the SSDI amount i am getting now, which is more?

Hi,