Ask Larry

Filing For Retirement Benefits

Can I Apply Online For My Benefits If I'm Already Receiving Spousal Benefits?

I did a restricted application and have been receiving spousal benefits since turning FRA. I now wish to switch to my own benefits. The Online application is very vague regarding this sort of circumstance, (nothing on the online app. deals with switching benefits...). After a week of waiting on hold, being disconnected and generally frustrated I was finally able to talk to a local rep. He said that I cannot use the online app for my particular situation and application must be done in a live meeting at the offices.

Monday, March 14, 2022 - 14:36

Why Does The Social Security Retirement Application Ask If I Have Medicaid?

Why does the Social Security Retirement application ask whether or not I have Medicaid?

Would that cause my benefit amount to be lower yet?
I am currently on a Medicare Savings Program which I understand is funded by Medicaid. However, on the My Texas Benefits page, it clearly states that I have been denied for Medicaid. I worry that I this, somehow, will trigger my small benefit amount to decrease again.

Thanks again!


Tuesday, February 26, 2019 - 09:02

Will Social Security Automatically Stop My Spousal Benefits And Start Paying My Regular Benefits When I Turn 70?

I suspended my regular retire benefit at age 66 in order to gain credits toward a higher benefit at age 70. However, I’m currently receiving a spousal benefit as my wife is disabled and is receiving SSDI. My question is will the SS administration automatically stop my spousal benefit and automatically start my regular benefit when I turn 70. In April?


Saturday, November 17, 2018 - 10:34

Why Can't My Husband Answer Question 26 On The Social Security Application Form?

My husband is 66 and 8 months old and will apply for benefits when he's 67. On page 72 of your book you say to make absolutely sure to put in writing when you wish benefits to begin in the remarks section. (He will apply online) On the application he cannot answer item 26 because he is six months over FRA. Why is that? One of the questions (c) is when to begin benefits. He does not want retroactive benefits, and wants all of his delayed retirement credits.


Friday, August 10, 2018 - 11:09

Is It Better To File At The Social Security Office Or File Online?


I am three months from my 64th birthday and I plan on applying for my social security benefits this week. I know I am two years from full retirement but I am in a position (physically and mentally) that I really need to collect my social security earnings. Is it best to go to the SS office and file there or to file for my benefits online.


Tuesday, January 16, 2018 - 10:18

My Local Office Refused To Help Me File For Retirement Benefits

Dear Larry,

I went to a social security office first thing and was called at 10:20 to be told by an agent that I should open an acct and do this online. If it only takes 10 minutes, that's how long she spent with me and made a telephone appointment. I don't function well with computers as I always pick the wrong thing. My birthday was in June, am now 70 and they are telling me to apply for June benefits. Is this correct?

Best, Mimi

Dear Mimi,

Thursday, July 7, 2016 - 08:30
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