Ask Larry

Retirement Benefits

Can You Help Me?

I can get society security money because I having work enough so what can I do I been try and they told me I don't have enough pointi can work because I am too old. So can u help me


If you believe that you have sufficient work credits to qualify for Social Security benefits and Social Security is telling you that you don't, you can still insist on filing a claim for benefits. Then, if your claim is disallowed you would have appeal rights (

Sunday, January 26, 2020 - 17:53

Is There Any Way I Can Get Credit For My Upcoming Q4 Payroll Returns?

Larry, I turn 70 on December 31 of this year. I am in the process of completing the application for retirement benefits, intending to submit online.
I am employed by my S corporation business and receive a W-2 earnings statement each year. I file quarterly payroll returns. My question is this: Is there any way I can get "credit" with Social Security for my upcoming Q4 payroll, which normally I would submit by January 15 - in this case, in 2020 which falls after I have turned 70 and have already applied for benefits?
Thank you!


Wednesday, December 18, 2019 - 10:41

Will I Lose Money By Waiting Until Age 70 Due To The Social Security Changes Occurring In 2021?

Hi Larry, I've been seeing various articles regarding the changes to Social Security benefits due to the FRA change that is supposed to occur in 2021. Is this true, will I lose money waiting until I turn 70 in September of 2021 compared to filing in December of 2020?


Hi Tony,

Wednesday, December 18, 2019 - 10:24

Will My Benefit Amount Be Reevaluated Annually To Include My New Salary?

I start ed taking my SS benefits at full retirement age. But i started a new position with a salary increase. Will my SS benefits amount be reevaluated up annually to include my new salary?


Yes, your Social Security retirement benefit rate can be recomputed following any year in which you have Social Security covered earnings. Your earnings would have to be higher than in one of your previous 35 highest wage- indexed earnings years in order to result in a benefit increase, however.

Friday, November 1, 2019 - 09:31

Is It True That They Look At Your Past 5 Years To Determine Your Benefit Rate?

My spouse died before I turned 60. He was receiving social security benefits. I remarried before I started collecting widow benefits. Now at age 65 I am receiving disability as at a discounted rate, because my husband receives disability ss and I am receiving a payment from worker compensation. just received a letter from ss saying they were taking me off of disability and putting on retirement ss. Is it true that they look at your past 5 years to determine your monthly benefit. Can I still receive my deceased husband's benefits? I am still disabled and cannot work.

Thursday, October 10, 2019 - 20:59

Can I Do Anything To Receive My First Payment In November?

I turn 62 this year; October 13, 2019. I have applied for early benefits and have been approved.
Before I applied I called SS and was told that if approved for benefits they would begin in November.
I received my approval letter and it stated that benefits would begin in December (about December 18).
Can I do anything to receive my first benefit payment in November?

Thank you,

Hi Gregg,

Monday, September 23, 2019 - 07:59
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