Ask Larry

New Law

Am I Grandfathered Under The New Law?

Hello.....I called the social security office today to inquire about "restricted application" and was told that it is no longer available because it is "double dipping". They said as long as I am still working, I will have to take my own benefits at age 66. I have been informed over the years, that it was possible to get 1\2 of my spouse's SS and suspend mine until 70. My husband, age 67, filed in March 2016 and is receiving SS right now, still working full-time.

Friday, July 22, 2016 - 12:00

Have Things Changed?

This is not a question, but an observation. Things apparently have not changed since I was an examiner for Social Security. We constantly received updates and interpretations of Social Security law when I worked at the Great Lakes Program Service Center in Chicago, Illinois. At that time, examiners reviewed the file initiated by the local Social Security District offices. During the late 1970's I was part of a team that was sent out to the District Offices in Chicago for 2 weeks to do an onsite assessment of their accuracy.

Monday, July 11, 2016 - 13:15

Can I File Just for My Spousal Benefit at FRA?

Hi, my husband was 67 in March 2016. He has been retired from the Dept of Defense since April 1, 2015, (one year). He draws a FERS pension (Federal Employees Retirement System). He has NOT started taking Social Security but did file and suspend before the April deadline in 2016. He plans to start drawing Social Security at age 70. I am 64 and will be 65 in September 2016. I recently retired after working 46 years. I have NOT filed for Social Security. My plan is to file for Spousal Benefit at age 66 however the Spousal benefit of 50% of my husbands is $1750.

Friday, July 8, 2016 - 21:30

Can My Spouse Really Restrict Her Application at or after FRA?

Hi, I turned 66 in April 2015 and did a file and suspend in November. My wife will be 66 in August 2016. We called SSA to file a restricted application for her spousal benefits last week and were told that wasn't possible under the new law. We have made an appointment to go to the SSA office to see what can be done. Is there anywhere on the SSA web site that clearly states, in easily understandable language, what the new rules are? I have a feeling this won't be easy. Thanks, Philip

Friday, July 8, 2016 - 20:45

Does the New Law Prevent My Divorced Spouse's Benefits?

I turned 66 on 3 July 2016 and, though divorced in 2012, was married to my former spouse for over 25 years. I had hoped to collect spousal benefits and simultaneously delay my own benefits until I reached age 70. However, I was told by a Social Security agent that this is no longer possible, due to some change in regulations in April 2016. Is this true?

Friday, July 8, 2016 - 10:30

How Should I File under the New Law?

Hi, most of the talk about social security obfuscates the actual changes and the direct effect of the changes. A lot is said about midnight changes. I am 63. I guess I could of filed and suspended but the whole process was unclear. 1. What did they take away? 2. How will it affect me. 3. Can spouses collect their own Social Security. We both worked, and I see no need to do a lot of mumbo jumbo unless they are making us combine and take a lower payment. Thanks, Guy

Thursday, July 7, 2016 - 22:15

Should I File and Suspend?

Hi, I will turn 66 in November. Last year I married a Filipina lady who is now 50 years old and in the U.S. for the past year and a half on a work visa, with her three teenage daughters. I have a great job (with great medical insurance) that I want to continue until I max out my social security retirement benefit.

Thursday, July 7, 2016 - 22:15

How Does the New Law Affect Filing and Suspending for Us?

Hi, My DOB is 12/20/48, my spouses DOB is 1/30/51. After four trips to the Social Security office, I was allowed to file and suspend my benefits. Within about a week, I received my Social Security Insurance check. Which I returned and told them that I had suspended my benefits. My husband, the younger person, was told he could not apply for spousal benefits until he reached 66 years of age. Is this correct? We made four trips and waits at the Social Security Office. Each time we were told something different. Can you give me any information? Thanks, Shirley

Thursday, July 7, 2016 - 22:00
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