Suspending Retirement Benefits

Can I Suspend My Retirement Benefits At FRA To Earn DRCs But Still Receive Surivivor Benefits?

As per your previous response (6/19/19) a person who previously received Social Security disability (SSDI) benefits can earn delayed retirement credits (DRC) between full retirement age (FRA) and age 70 by voluntarily suspending their benefits. My situation is the same, except I am also entitled to survivor Social Security benefit. Can I I suspend my retirement benefits at FRA (to earn DRC) after being on SSDI, but still be entitled to receive survivor social security from FRA to age 70 and then switch to my own retirement benefit with DRC after 70?

Hi,

WIll Social Security Start My Husband's Benefits Automatically At Age 70, Or Does He Need To Do Something?

Hi -- My 69 year old husband filed and suspended and I started collecting half of his benefits when I turned 66. He will be 70 on July 31. Our question is, does he have to notify the Social Security office or will his benefits begin automatically at age 70? Is there anything specific he needs to do? Thank you!

Hi,

Does My Husband Need To File For Benefits Or Will They Start Automatically?

My husband will be turning 70 this month. He is still working but plans to stop in the near future. In 2016 he filed and suspended, and I began spousal benefits at that time. I also will be turning 70 in July. Does he need to file for benefits beginning this month, or do his monthly Social Security benefits automatically begin on the day he turns 70? Any advice you may give us is greatly appreciated.

Hi,

Am I Allowed To Suspend My Retirement Benefits If I Started Drawing Prior To My Full Retirement Age?

I have a 2 part question. I was born 1952 (currently 67) and started taking social security at age 65, per your maximization strategy analysis. Spouse (currently 71) collected on my spousal benefit until his age 70 and then switched to his own benefit. I'm in good health and have just taken a part-time nursing job. I don't need my social security and would like to "voluntarily suspend my benefit" to accumulate "delayed credits". I have called Social Security 3 times and they tell me I can't suspend because I started taking benefits before age 66 but your book says I can?

Is There A Deadline For Advising SSA That You Want To Suspend Your Benefits?

Hello, Jerry. Thank you for all the information you provide us, day-in and day-out. It is very much appreciated! I understand that if someone receives SSDI and reaches FRA, their SSDI automatically converts to regular retirement payments. Is there a deadline by which one has to advise SSA that they would like to "suspend" the newly-converted payments in order to receive DRCs? Can someone do this at any time before age 70?

Is My Husband Permitted To Suspend His Benefits At Age 66?

In reading your book, Get What's Yours (Social Security revised ) I am confused about suspension of benefits at Full Retirement Age for those who have been on disability benefits. I am referring to page 54 "When disabled workers reach FRA, their disability benefit turns into their full retirement benefit. They can suspend their retirement benefit, but they can't withdraw it." And on page209 regarding sentences in the POMS "to prevent the disabled from exercising the file-and-suspend strategy," I am sure I am missing something here and would like clarification in our situation.

Is It Too Late To Add Remarks To My Application?

I filed and suspended prior to my 66th birthday in May 2015. But the Remarks section of my application did not state that I wanted to begin receiving Benefits on my 70th birthday & that I wanted to refuse Retroactive Benefits. Can I still contact Social Security to add this to my application prior to the start of my Benefits in May 2019? Or am I stuck with getting Retroactive Benefits?

Hi,

How Does My Husband Go About Reinstating His Benefits?

My husband filed and suspended before April 30, 2016 at age 66. He is turning 70 in October and wants to apply to reinstate the benefits that he voluntarily suspended and obtain a lump sum payment for those 4 years. Can he apply online? How many months in advance of his 70th birthday in October? Is the entire lump sum subject to income tax withholding? Thank you.

Hi,