Ask Larry

Suspending Retirement Benefits

Can I Delay The Automatic Conversion From Disability To Retirement Benefits That Occurs At Full Retirement Age?

In May (deadline to avoid losing any disability benefits) I began the process of applying for SS disability (not SSI) effective on a disability date of 12/2020.

When I reach full retirement age (which will be before my disability claim is approved) in about Aug 2022 I don't want automatic conversion if my SS disability is approved but want to wait until 70 to collect regular retirement benefits.

I am divorced but may remarry to another later after I reach 70- currently age 66.

Tuesday, July 12, 2022 - 15:11

Can I Suspend My Disability Benefits And Only Receive Spousal Benefits?

I am on disability benefits ssdi receiving max 860 it has turned into retirement. I also receive from spousal retirement but not able to receive full benefit due to ssdi am I able to suspend my disability benefits and only receive spousal retirement for higher benefits?

Hi. No. If you voluntarily suspend your own benefits, any other Social Security benefits you receive would also be suspended (

Best, Jerry

Monday, June 13, 2022 - 18:28

Can I Suspend My Own Social Security Benefits And Collect Survivor Benefits Instead?

I am currently on social security disability (SSDI). When I turn 66.5 -- I will no longer be entitles to SSDI as the payments would convert into my regular social security at full retirement age. I am also entitled to survivor's social security from my deceased wife. Can I suspend my social security payments at 66.5 until 70 and then start receiving my survivor social security benefits until I am 70. Then at 70 switch to my regular social security payments which would be substantially higher than the ones that I would have received at full retirement age. Thank you

Thursday, April 21, 2022 - 12:44

Are The Social Security Employees I've Spoken With Correct?

I want to postpone my RIB until 70 years of age. My FRA is 66, 4 months. However, if I start receiving disability at age 65 and 4 months, it will automatically convert to RIB when I attain FRA. I've seen language in the POMS that states you can suspend your RIB anytime between FRA and 70. Howver, my local Social Security office says before I can do that, I must first withdraw from my disability (within the first 12 months), pay it back, and then suspend my RIB - doesn't matter if I'm at FRA or later. I've spoken to 5 different employess there and always get that answer.

Sunday, January 16, 2022 - 07:49

How Do We Get Social Security To Process My Brother's Voluntary Suspension Request?

My brother began social security benefits at age 63. He reaches his FRA next month (Jan. '22). He wants to"suspend" these benefits until 70 to receive delayed benefit credits in the interim. Two SSA employees have told us he cannot do this (which I'm confident is wrong)--one after talking to her "manager". Offices are still closed here in Michigan. How do we get past this roadblock?

Friday, December 3, 2021 - 11:57

What Advice Can You Give Me To Get Social Security To Voluntarily Suspend My Benefits?


I am desperately need someone advice here because the SSA gave me the wrong information. I am 68, and receiving my benefit since December, last year. Now, I would like to voluntarily suspend receiving it because I went back to work, and I want to earn more delayed retirement credit until age 70. When I called they said I can only make withdrawal of the application once, and repay what I received so far. I am screaming for help! I printed out their web page regarding to this, and it clearly says I can voluntarily suspend it just by calling them.

Friday, September 10, 2021 - 15:09

Can My Wife Suspend Her Account And Take Spousal Benefits Instead?

Can wife suspend her account and take spousal benefits? Wife born 5/26/1953. Husband born 7/30/1955. Wife started collecting soc. sec. at 62 years old (5/26/2015). Husband will file at FRA and suspend until later date. Can wife suspend her acct and file for spousal benefits when husband files on 7/30/2021? If so, will her benefit equal 50% of his benefit at his FRA?

Sunday, June 27, 2021 - 19:25

Can My Friend Now File For A Lump Sum Of The Benefits Since He Filed And Suspended?

Read your book, terrifc! Question: Got a call from a 71 year old who apparently file and suspended at age 66. The thought was he'd claim a lump sum back to age 66 when he reached 70. He forgot about it and never claimed any benefit! So at just over 71, what are his options. Can he file for the lump sum back to 66? Or just back file 6 months for his age 70 MIB. Thanks

Monday, May 24, 2021 - 21:02
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