Wife (W) is receiving approximately $2,500 per month in SS retirement benefits, having started her benefits when she was 64 years 6 months so that her husband (H) could receive spousal benefits on her record. She is currently 67 years 2 months. H, currently 69 years 10 months, is deferring receipt of his retirement benefits until age 70 at which time he will receive approximately $3,700 per month, which includes deferred retirement credits (DRCs).

My disability converted to retirement in December 2020. Can I payback or suspend social security now to get a higher benefit later?

Can I suspend my ss at FRA and claim on spouses FRA ss At 50%?

Hi. No. If you suspend your own benefits, you cannot be paid any other type of Social Security benefits while your own benefits are suspended (https://www.ssa.gov/benefits/retirement/planner/suspend.html).

Best, Jerry

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.

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.

RE: Suspending Social Security (Disability) from FRA to age 70

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.

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.

Leslie

we are getting conflicting answers from SS & our financial adviser

Hi Leslie,

Hi,

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.

Thanks!

Hi,

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

Hi,