Ask Larry

Maximize My Social Security Software

Will Maximize My Social Security Software Handle A Disabled Child?

I am 60 now and I have a 27 y/o son with mental retardation. He is on SSI and has never earned any
wages. I plan on taking early retirement at 62 because my son will be able to draw 1/2 of the amount I would get if I retired at 65.
Will your program handle this special case? I need it to figure in family max when my wife retires and what my son will get after one or both of us die.
My wife and I have both worked our whole life.
It is very difficult to plan retirement for 30-40 years after you die.
Joe Potts

Thursday, July 7, 2016 - 12:15

Can the Software Consider Our Situation?

Hi, I am 65 and began taking social security at 62. My wife is 63 and has not begun taking it yet. She receives a state pension for her time working for a city government (not paying into ss in those years), but has also accrued some benefits in the private sector over the years qualifying her for social security (well under $2,000 per month). Should she earn more in the private sector over the next few years to beef up the ss benefit significantly? If so, how many months should she earn this higher income?

Wednesday, July 6, 2016 - 20:30

Can the Software Help Us if We've already Filed?

Hi, my wife and I already filed for SS at age 62 and 63 and collect/receive SS. We are both now 67. Filing early was a necessary, though not optimal income decision because of the recession, with health issues, kids still in school, etc. Can the software potentially help those who have already filed & receive SS, as neither of us has looked into or changed anything since our initial application and filing in 2011? Thanks, Ben

Wednesday, July 6, 2016 - 20:30

Social Security Says I Can't Do What Your Program Says

Hi Larry,

I am going to take Social Security in one month with your plan. They are telling me I can't do what you suggest file-suspend-restart. They also say I am foolish to take money now because that will freeze my benefit amount. You have my permission to look at your suggested plan in my account.

Who am I to believe?

Please Help!

best, Frank

Dear Frank,

Monday, July 4, 2016 - 11:00

Will Fixing Errors in My Earnings Record Increase My Benefits?

Will be 70 next month. I see my estimated benefit. my question is this? would the amount shown be any different if I were able to find some wage $$ errors/omissions ? I have worked since 1964 so the time frame is extensive for credits.. Before I apply as a delayed benefit (and I need to like ASAP) , I just want to be sure I couldn't tweak the benefit up. Thanks, Jan

Saturday, July 2, 2016 - 15:30

How Can We Know Our Benefit Amounts at Different Dates?

I just turned 65 and filed for ss benefits and my benefit is 2210 with my fra being 2483. My wife turns 62 this year and her benefit at 62 is 379. I know she can get a spousal benefit we been married for 40 yrs. I just don't know how much she can get this yr. or how much she can get by waiting. Can you answer this for me. Thanks Thanks, Brian

Saturday, July 2, 2016 - 15:15

At What Age Should I Buy the Software?

I am 57 thinking about collecting a widows pension at 60 - When should I purchase your software to decide when & which benefit I will file for - Mine, my ex's or my deceased first husband.... Thanks, Kathleen

Kathleen, there's no right time that applies to everyone. It depends on how much lead time you want and need with your planning. The $40 license is good for a year and we don't automatically renew it. You can renew it after a year or you can let it lapse and renew it later. Thanks, John

Saturday, July 2, 2016 - 15:00
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  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

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