Ask Larry

Suspending Retirement Benefits

Must I Wait Until Age 70 To Resume My Benefits If I Voluntarily Suspend Them?

Dear Larry,
I will reach full retirement age in Feb 2019.
I am currently receiving SSDI, that will convert to retirement benefits.
I have read theQ&A(Aug 6 2016 - 11:30am) Answered by Jerry.
"Can I Prevent The Conversion Of My Disability Benefits To Retirement Benefits At Age 66?"

I want to voluntary suspend my retirement benefits, and I plan to do this before Feb 1.

Wednesday, January 23, 2019 - 10:28

Can My Wife Voluntarily Suspend Her Benefits Online?

Planning ahead for possibility of delayed retirement benefits for spouse who is 62 and currently receiving SSDI. Have had two phone interactions with SocSec and one in person. One of the phone reps and the in-person rep simply stated that it could not be done, implying that spouse had already gotten a deal on the level of his SSDI payments. Quoted the POMS section you referenced in an archived answer to the guy on the phone, asking for his interpretation.

Friday, January 18, 2019 - 12:30

Should I Receive A Notice If My Benefits Are Due To Be Reinstated?

I had my benefits suspended about three years ago. I just turned 70 last week. I understand my benefits should start next month automatically. However, I have not received any notification or see any information in my account "online" about payment next month or the amount of benefits..
Am I not to receive any notification or it should not be showing "online" in my account?
Can you please provide tell me if this is normal? What should I expect?


Thursday, January 17, 2019 - 15:33

Can My Wife Refile Using Her Own Earnings Record?

In Nov of 2018 I reached my FRA of 66; my wife will reach FRA in Jan, 2019. Both my wife and I began receiving our reduced benefits in 2013, at age 62. It was our understanding at the time we applied that her benefit was based on my earnings record. In a conversation with a local S.S. rep since then, I was told that my wife's benefit was based on her own earnings record, not mine. With that confusion as a lead-in, I have returned to work and I intend to suspend my benefit until I reach age 70.

Tuesday, January 1, 2019 - 13:13

Why Can't I Get Information About My Benefits Online?

Hello, I voluntarily suspended my SS at age 66. I was on SSDI until 66. I want to start my benefits late in 2019, but on there is no info. It just says that I receive no benefits. So I can't check my PIA with the increase from 2017 and the new one that is effective for 2018 and can't apply for benefits. I don't know why. Thanks


Thursday, November 8, 2018 - 17:39

Can I Suspend My SS And Still Get Benefits For My Daughter?

Can I file and suspend my SS in May 2019 and still get benefits for my daughter(11/17/2001)
who will be in High School until may 2020?


No. If you voluntarily suspend your benefits any time after April 29 2016, no benefits can be paid to any beneficiaries on your record other than divorced spouses ( You would have to actually be drawing your benefits in order for your daughter to be paid child benefits on your record.

Wednesday, October 3, 2018 - 07:22

What About The Suspension Benefit Deal?

I will turn 66 in December '19. My benefit will be $1700. My wife's benefit is $2600 now, what about the suspension benefit deal? She turns 70 in 2020.


You're allowed to voluntarily suspend your Social Security retirement benefits between full retirement age (FRA) and age 70, but it's very unlikely that that would be advantageous in your case. You don't need to file for and suspend your benefits in order to potentially earn delayed retirement credits (DRC). You can earn DRCs simply by waiting past your FRA to claim your retirement benefits.

Wednesday, September 12, 2018 - 15:18

Can I Reinstate My Benefits Online?

Several years ago I set up a “My Social Security” online account. I did a file & suspend at age 66 so that my wife could claim her spouse benefit, while I delay to increase my own retirement benefit. I turn 70 years old in Arpil 2019. Now, I want my retirement benefits to start effective January 2019 (instead of April).

Can I do this online? If so, how? If not, what is the best way to do it? At the time I did the file & suspend, my PIA was calculated to be $2170 per month. Would my benefit in January be $2820 plus COLA’s?


Wednesday, August 15, 2018 - 09:55

How Can I Dispute What Social Security Told Me?

I am 65 year old man on disability with age 65 wife. I earned over twice what she did during career. I want to delay taking my retirement benefit @ FRA so it can grow through age 70. called local field office to discuss my situation before submitting application this December.. Was told I'm ineligible for delay option because my disability amount was already set @ maximum amount. Sounds incorrect based on your previous answers. How to dispute it?


Sunday, June 24, 2018 - 11:08

How Will Our Benefits Be Affected If I Voluntarily Suspend My Benefits?

My question concerns voluntary suspension of benefits. I started taking my Soc Sec benefit at age 62 (birth date 01/22/1952). I am now 66 which I believe is my full retirement age. If I was to request a voluntary suspension of my benefit would the amount of my benefit increase during the time it's suspended until I resume taking it at age 70? If so, how much? Also, my wife (birth date 5/10/1951) has been receiving a spousal benefit in addition to her own benefit since I filed at age 62 . How will she be affected if I decide to suspend my benefit?

Wednesday, May 30, 2018 - 19:49
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