My wife is currently receiving social security disabilities payments and will reach FRA next year. I am 70 and after receiving receiving spousal benefits under her disability designation I am now receiving my regular benefit. My question is if she drops her social security disability payments and suspends her regular retirement benefit before age 66 (her FRA) would she be able to receive spousal benefit under my regular benefit at 50% of my benefit?

Hi,

I will reach my FRA on 06/22/2019 (single, no dependents), but I plan to continue full time employment until 12/31/2019-Lord willing. I will receive an annuity of $468/month at retirement from my job (no windfall issue here). I receive medical insurance through my employer and I signed up for Part A of Medicare when I turned 65 in 2018. My salary is $50K/year. My question is: can I request my Social Security at my FRA, continue my full time job until 12/31/2019 (specifically for the medical benefits) and not begin Medicare Part B until 01/01/2020?

I am 70 May 2019. Have delayed benefits until now and still working. Met SS in person was offered $21,936 one time check but would reset my benefit back 6 mos. and be $114/mo. less. Also they stated they could go back another 3 months from when I made my appointment. The 9 month reset is less $209/month but I get a one time check for $32,040. (Break even 12yrs).
QUESTION: Is there any reason to not take the $32,000 check ??? Why is this offered ?

Hi,

My husband started drawing his SS at age 62 back in 2005. I will turn 67 in May 2019 and have been a high wage earner. Is it possible to apply for spousal benefits on his reduced SS at my FRA and delay taking my benefit until age 70?

Hi,

My husband filed for his benefits 2/2019 at age 66.4. I have not filed yet, I am 62.9. Can I file now and then he withdraws his application, pays back what they gave him and then he reapplies with a restricted application and then assumes his own benefits at age 70?? I cant seem to find the answer to this question. It did not come up when I purchased your program as an option. You only show him suspending his benefits...not withdrawing and starting over. Thank you so much for answering this, Lynn

Hi Lynn,

I will draw my first SSI check April 24 at 62. Around 845 monthly.
Housewife mostly my life with about 15 years of actual working.
This amount is based with my 70 year old husbands SSI, who retired at 66.
Today I interviewed for a job, my question is should I stop my payments an work on bringing up my credits, cause if I had drawn only on mine I'd only got 350 a month.
Then start drawing at 66 1/2
Or take the reduced amount of ssi and work also.
Paycheck would be around 400 a week , before taxes.

Hi Sir, I bought the Maxifi software and will be inputting data this weekend. Could you clear something up for me please? My birthday is 9 March 1951 and I plan on retiring at the 69 years old point. Do I request to start receiving benefits 1 March or do I roll into April since April is my first full month 69 year old birthday? I can't get much off the internet except 'pick your birthday date carefully' .. thank you for you help in advance.

Hi,

I will be 70 in August2019, and will be drawing my benefit at that time. I am a retired Firefighter and am subject to the WEP. I have 22 years of Substantial Earnings. I have an appointment to apply for benefits on April 29,2019, but don't really trust them to give me the best advice or amount I will receive. Is there a way to get the correct information on these questions so I know I am getting the straight story from them?

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)?

I was born 9 march 1951 and my wife was born 16 December 1958. we have been married 30 years. I want to start taking my benefits at 69. My wife will only be 61 years old. Can I take my benefit and then she takes her spouse benefit on 16 December 2020 when she turns 62? Also, do I file on 1 March 2020 or 1 April 2020?

Hi,