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,

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?

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?

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.

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,

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,

Hello,

Hi Larry: I will turn 63 March of this year. I started taking my social security October 2018. I currently have it going to a high yield savings account. I have a small C corp business which I make enough to live on. I am also planning on getting married to a 77 year old man who is also working and collecting social security. I am beginning to think, after reading some of your responses that maybe I should have waited until at least age 66.

My questions are, can I suspend my ss benefits until age 66, and will getting married affect my benefits?

After receiving Social Security disability benefits, I suspended retirement benefits starting the month I reached full retirement age, to earn delayed retirement credits.

Well under a year ago, I un-suspended benefits for two months, then re-suspended them.

Does the un-suspension count as an application for benefits for the purpose of filing a form SSA-521? If possible, I would be interested in repaying the two months of benefits received and earning the additional delayed retirement credits.

Hi,

Is it true that if you are single (never married) and take your social security early, before your full retirement age, and you can still suspend you benefits when you reach you full retirement age? If you can suspend at your FRA, do you have to repay all the benefits you already received? Also, is your payment locked into the rate you received with early retirement?

Hi,