Ask Larry


Which Of Social Security's Explanations Is Correct In My Case?

Hello ! My husband is an early retiree. I am getting spousal early retirement benefit. My husband adopted a disabled girl when she was 7 years old. At 18, she left the house and we never see her again.for about 12 years. The SSA told me that my spousal benefit is spit with her. ( in half) . I would like to ask if it is right. There were two different explanations at the SSA office. One said that my benefit will be spit with the girl. Another said the girl’s benefit is in different fund.
Please advise. Thank you very much!

Monday, February 27, 2023 - 13:06

How Is It That My Survivor Benefit Was Completely Offset Due To The Recent 8.7% Civil Service Retirement COLA?

How is it that my Social Security survivor benefit; ( offset to only $48 per month), that I received for only 10 months after being widowed for 8 years, was completely offset by the recent 8.7 % Civil Service Retirement COLA? Seems strange since Social Security received the same 8.7% COLA. Mathematically even Social Security stated that my benefit would be increased the same 8.7% and be increased to $52 per month in 2023, but due to the Government Pension Offset now be completely eliminated/ offset and I would receive no Social Security Benefit.

Monday, February 20, 2023 - 12:03

Do I Need To Notify SSA That I Don't Plan To Start Drawing Benefits At Full Retirement Age?

Hi, Larry,

Thanks for all that you do. A quick question to which a few internet searches have not turned up an answer: I plan on waiting until 70 to begin taking social security. Do I have to notify the SSA that I do NOT plan on beginning benefits at full retirement age (66.5, which for me is five months from now)?


Saturday, February 18, 2023 - 11:24

Will My Benefit Payment Be Doubled Next Month Because I Didn't Receive My Current Month's Direct Deposit?

I closed bank account. Did not receive direct deposit for February. Will my benefit check be double in March?
Thank you

Hi. If you had a benefit payment that was returned due to closed bank account, Social Security should reimburse you for that as soon as possible. They won't necessarily wait until your next month's payment is due before returning the returned payment to you.

Wednesday, February 15, 2023 - 15:18

How Can I Help My Daughter To Get Her SSI Payment Amount Increased?

Larry..I am not sure how to do this. I have an adult daughter who has been receiving SSI for many years due to OCD, etc. and she is the payee. It was originally $750 but has decreased for many years to $567. Her current mental state is not so good and she refuses to (or physically can’t) acknowledge that she needs to have it reviewed to have it increased. How can I go about it with the least amount of participation from her? Mary

Tuesday, February 14, 2023 - 08:44

Can Social Security See How Much I Earned In Any Given Month In The Past?

applying for DAC, Can SSA see how much I earned in any given month in the past? or just for the whole year ? even though I cant cant remember or or see on my SSA statement . just earnings for the whole year. how is the SGA in any given month determined ? if the earnings after turning 22 divided up by 12 months in the year do are much less than SGA. how is the SGA in any given month determined ? and if they ask me the last time I worked until and I don't really remember , what should I tell them ? thanks Larry !

Friday, February 10, 2023 - 19:47

Is The Flex Card Legit?

Is the flex card legit 70 years old I like to know

Hi. I'm sorry, but I have no idea what you are referring to by a "flex card". I'm only able to answer questions about Social Security benefits.

Best, Jerry

Tuesday, February 7, 2023 - 11:43
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