Ask Larry

Suspending Retirement Benefits

What Else Can I Do?

My birthday - 8/1951, wife's birthday 4/1951. Janice applied for her benefit to start next month - 4/2021.
I called to suspend payment of my benefit (and her spousal benefit) which I started at my FRA (66 years).

The first three reps I spoke with told me it wasn't allowed even though I pointed them to the SS website page explaining that I can suspend my benefit. I was disconnected from the second 2 reps when asking how to pursue this after long waits while they researched.

Thursday, March 18, 2021 - 15:19

Can You Confirm That I Am Allowed To Suspend My Social Security Retirement Benefits?

I (DOB March 1954) began receiving my retirement benefit at age 64 in 2018. My husband (DOB July 1951) was eligible to receive a spousal benefit from my account at that time. Because he was grandfathered due to his age, he was able to defer his own retirement benefit while receiving a spousal benefit. He has been receiving this spousal benefit (not his own retirement benefit) since I started receiving my retirement benefit.

Monday, March 1, 2021 - 17:56

What Can We Do About This?

After reading your book and using your Social Security software, my wife (DOB March 1954) began receiving her retirement benefit at age 64. Because I (DOB July 1951) was grandfathered because of my age, I have been receiving a spousal benefit that started at the same time my wife started receiving her retirement benefit. Starting August 2021, I expect to receive my retirement benefit with full voluntary delayed retirement credits (VDRCs) unreduced by the spousal benefits I have received.

Wednesday, January 20, 2021 - 17:29

Can My Wife Suspend Her Social Security And Then Restart Them At Age 70?

Here's my scenario:

... My wife turned 64 on Sept 9, 2020. (born in 1956)
... She files now for early SS
... I was born in 7-28-53... so I file for SPOUSAL BENEFITS on her SS
... when I turn 70, in 2023, I take my FULL SS.
... can my wife then SUSPEND HER SS. (She will be past her FRA) and then let her SS grow until she turns 70 and then claim ???

thank you so much.


we are getting conflicting answers from SS & our financial adviser

Hi Leslie,

Saturday, November 7, 2020 - 09:09

Can I Suspend My Benefits When They Convert To Retirement Benefits At My FRA?


I know my SSDI benefit will end when it automatically converts to retirement benefits at my FRA.- age 66, 3 months. I recently inherited some money and want to know if I could suspend receipt of retirement benefits at FRA, live off of the inheritance and then collect higher retirement benefits when I turn 70.



Sunday, August 23, 2020 - 16:20

Have The Rules Changed On Voluntarily Suspending Benefits When Disability Benefits Convert To Retirement Benefits?

My husband has been collecting disability. Later this month he turns 66, his full retirement age and his disability will convert to social security. After reading an article you published in Forbes we called to suspend his social security payments and were told that he could not do so. Have the rules changed since you wrote that article in 2015?
Thank you


Saturday, August 8, 2020 - 09:30

Would I Have To Repay What I've Received If I Go Back To Work?

I recently took early retirement benefits at 62. I’m planning on returning to the workforce. I’d like to stop my benefits so that I can put off retirement until I’m 70. Would I have to repay Social Security back what I’ve received from them before I can get back on track towards receiving the maximum amount when I’m 70?


Tuesday, September 17, 2019 - 08:12
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