Filing Options

What Month Should We Choose?

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Wife reaches FRA in August 2019. Born 8-15-1953. I am younger and the higher earner. Born 12-15-1955. The best strategy for us is to file simultaneously so she can file a restricted application for spousal benefit and let her benefit grow. The question is; what month should we do this. Does August count as a FRA month (first payments in September) or do we have to wait until the month after (first payment in October)?

Can I Collect Benefits For The Past Two Years That I Missed?

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One of the four requirements for collecting social security based on your ex-spouse as stated on SSA’s website is: “The benefit you are entitled to receive based on your own work is less than the benefit you would receive based on your ex-spouse's work.” I called social security when I turned 62, but was told that my ex-spouse’s benefit was less than mine so therefore I could not collect any benefits.

Which Month Would I Choose To Start My Benefits If I Want To Start Drawing At Age 69?

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I will turn 69 on June 28 and I am planning on filing for my social security retirement benefit at that time. What month should I request my benefit to start in so that I will be sure to get the higher "Age 69" benefit and not the lower Age 68" benefit? Would that be in June or July? When I spoke to Social Security today, they said that it did not matter that my birthday was at the end of the month; my benefit would start in June and my first check would be sent in July. Please clarify this issue.

Thanks

Hi,

Is It Correct That My Wife Can't File A Restricted Application For Spousal Benefits If I Haven't Filed For My Benefits?

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My wife was born May 6, 1953 and I was born May 2, 1955. Neither of us is currently receiving retirement benefits (RIB) or spousal benefits (SIB) and I don't intend to file for my RIB before my FRA on July 2, 2021 (and possibly not until age 70). I thought that my wife could file a restricted application now (effective as of her FRA) based on my earnings record. We went into a SS office and I was told that she could not file a restricted SIB application because I have not filed a RIB. Is this correct?

Hi,

Can I Collect Spousal Benefits At Age 66 If My Husband Hasn't Filed For His Benefits?

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My husband is not collecting his social security benefits until age 70 yrs. I am eligible for "restricted spousal benefits" as I was born in May 1953. Can I collect benefits at age 66 yrs. if as my husband hasn't filed for his benefits?

Hi,

No. Unless your husband was born prior to May 1950 and he filed for and suspended his benefits prior to April 30 2016, you couldn't be paid spousal benefits until your husband actually starts drawing his benefits.

Is It True That The Deadline For Filing A Restricted Application Is 2019?

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I was born before 1954 and, based on information I read in your excellent book, I know I am eligible to file for a restricted application on my younger wife's benefit (born in 1954) once she actually begins taking her benefit and let mine earn additional credits until age 70. We are planning on doing this in the early part of 2020. But, recently, I have read some articles on-line and in print that are stating that the ability to apply for a restricted benefit will end at the end of 2019. Is there any truth to this deadline?

Hi,

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,