Filing Options

Can I Now Retroactively File A Restricted Claim For Spousal Benefits And Get A Lump Sum Payment?

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Larry, my wife is slightly older than me. She filed for SS benefits upon reaching her FRA. I chose to wait until I reach 70. Now I realize that I could have made a restricted filing for spousal benefits back when I reached FRA and such would have still allowed my own benefits to increase until I was 70. Can I now retroactively make a restricted filing for spousal benefits and get a lump some payment?

Hi,

Can My Wife Apply Effective With June And I Wait Until August?

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I was born 8/19/53 and was planning on retiring 7/31/2019 and applying for benefits in August 2019 when I turn 66. My wife was born 4/29/54 and was planning on retiring 6/29/2019 and applying for benefits in June 2019. When I put ages into the what if scenario of your program, it is showing that I need to apply the same time as my wife. So can she apply and June and me wait until August? What is our best strategy for me to get FTA benefits?

Hi,

Can I Continue To Draw Retirement And Spousal Benefits If My Husband Dies Before My FRA?

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My husband waited until age 70 to collect his benefits nearly two years ago. There is an 11 yr difference in our ages. I wilI turn 62 in six months and I was the low wage earner. I understand that if I file early it will be considered "deeming" and it will be a combination of my retirement and spousal. Can I remain on that status if my husband dies before my FRA, or does it automatically switch to survivor benefits?

Hi,

Can I File A Restricted Claim On My Ex At FRA And File On My Own At Age 70?

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HI, I JUST READ YOUR GREAT ARTICLE ON HOW SOC SEC SNUCK IN THE CHANGE WHICH POHIBITS PEOPLE ON DISABILTY FROM FILING AT FULL RETIREMENT AGE ON A SPOUSE OR EX SPOUSE ...AND THEN CONVERTING BACK TO ONES OWN CLAIM..THUS REAPING THE 32% INCREASE FROM 66 TO 70.THIS IS HORRIBLY DISCRIMINATING AGAINST DISABLED PEOPLE.MY QUESTION IS..IS THAT TERRIBLE LAW STILL IN PLACE?CAN I DO A RESTRICTED CLAIM AT FRA (66)..FILE ON MY EX AND CLAIM ON ME AT AGE 70?I WAS MARRIED FOR 10 YEARS AND HAVE BEEN DIVORCED FOR MANY YEARS.THANKS!CONNIE

Hi Connie,

Do I Qualify For Any Benefits As A Widow In Addition To My Own Social Security?

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I am 63 and retiring in March of 2019. My husband died at age of 33; 30 years ago. Do I qualify to receive any SS benefit as a widow, along with my Social Security benefit, which is greatly reduced due to my pension income being above the threshold and subject to being taxed at the SS 85% rule. Upon his death in 1988, while working, I received a family benefit/child benefit for my two children as part of his SS benefit to augment my salary due to the age of the children (18 mo and 5 years old). Thank you...

Hi,

Am I Stuck With Social Security's Decision?

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Larry, I read your article from 2015, regarding retroactive benefits. I retired in July of 2017 at age 64. This month (January 2019) I received a lump sum of money from SS and told they were moving my retirement date from July '17 back to Jan '17, therefore reducing my benefits for the rest of my life. I went to SS to ask that they reverse their decision, so now I wait 3-4 months to hear whether or not they'll reverse. I understand from your article that one has to be beyond FRA, I was not, so they're doing this to whomever's name is pulled out of a hat.

Can I Start Taking SS Benefits Now So That My Wife Can Claim Spousal Benefits?

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I am 62 also have an adult disabled child (26) with SSI and my wife is 69 but she was working only 5 years therefore she didn't have social security benefit of her own. Currently, I don't have a job. My questions are: A) Can I start taking SS benefit now, so my wife can claim a spouse benefit? B) If I later (6-month or 1 year) find a job, can I suspend my benefit and my wife can continue receiving hers? C) What would you suggest for maximizing social security benefit in my situation?

Hi,

Could You Please Clarify Our Options?

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Larry,
I am 67 yrs old and working. My wife just is retired and turned 66 on January 14th. We wanted to file and suspend my retirement benefits and collect spousal benefits for my wife. When we went to Social Security office, they declined for spousal benefits and told us under the new law that we are not eligible. When I visited SS Office to file before I became FRA, they told me that I could file when my wife reaches FRA. Could you please clarify if they are trying to blow us off.

Monte

Hi Monte,