Ask Larry

Suspending Retirement Benefits

What Do I Need To Do If I've Already Filed For And Suspended My Benefits?

Larry - I did a file and suspend at age 66 (about two years ago) so my fife could file for a spousal benefit. I plan to continue to delay filing for me until I turn 70 (19 May 201). I have Two questions. (1) When should I file my application, and (2) what month will I receive my first check? Thank You in advance. Jerry

Hi Jerry,

Wednesday, June 7, 2017 - 06:58

Can I Voluntarily Suspend My Benefits At FRA?

I am drawing social security disability insurance benefits. My date of birth is 01/15/1953. It won't be much longer and I will be 66 and I will want to suspend my social security retirement benefits until age 70. How does my ssdi affect this as it will automatically convert to regular ss retirement benefit at age 66? I have read that you can not suspend benefit once you have started them. Will I be given an opportunity to suspend my ss retirement benefits before my ssdi ends?

Saturday, June 3, 2017 - 10:53

Can I Suspend My Benefits Temporarily?

I started collecting SS benefits @ age 65 yrs 7months normal retirement is 66 for me. I am now 67. I was offered a temporary job of 6-8 wks. Can I suspend my SS for a month or two? Can I still have medicare deducted? I will have SS taken out of my temp job. when I go back on SS would I eventually receive more in SS ? Dale Thank You

Hi Dale,

Wednesday, May 31, 2017 - 07:35

Did Social Security Give Me Correct Information?

I have been receiving social security disability payments since September 2012. I will be turning age 66 FRA on June 1st, 2017 (DOB June 1,1951). I went to local SSA office to inquire about "voluntary suspension" of my benefits starting June 1st, 2017 when the my SS benefits become regular social security payments.
I was told I could not suspend my benefits and will have to continue taking my benefits. Was I given correct information? I thought once you reach FRA you can voluntary suspend your benefits to age 70.
Thank You


Saturday, April 1, 2017 - 07:30

Can My Husband Suspend His Benefits At Age 69?

I'm 55, my husband is 69. He started collecting at full retirement age (67, I believe). He has now started to do some 1099 subcontracting (construction) and his income plus his benefit plus my income is pushing us, I guess, into a higher tax bracket. He doesn't really "need" the social security benefit right now -- I know suspension is possible, but is it possible to suspend at age 69 (70 in December, born in 1947) and not start up again until he decides to REALLY quit working, meanwhile gathering work credits to potentially increase the eventual benefit?

Thank you!

Thursday, March 30, 2017 - 08:00

Can My Husband File And Suspend?

My husband reached full retirement age yesterday (3/15/2017). He has been on Social Security benefits for 2 years. He wanted to file and suspend his benefits until he is 70. The Social Security office told him he can't do it. Is this true? BTW, I was born 10/31/1958 and will have estimated full retirement benefits on my own work history of about half of his.
Can he file and suspend??


Yes, your husband can voluntarily suspend his benefits. He's already filed, though, so he doesn't need to file and suspend.

Friday, March 17, 2017 - 06:30

Will I Still Be Allowed To Suspend My Benefits At Full Retirement Age If I Receive Disability Benefits?

Hi Larry,
As everyone else I'm amazed with the confusion that you point out in your book.
I have been receiving ssdi since 2/2015 , the maximum, which happened shortly after my 62 nd birthday. DOB 1/13/53 At my attorneys advice, I applied mid November for both ssi and ssdi. I was approved ssdi shortly afterwards.
My wife DOB 12/01/55 worked and at FRA could collect approx. 1400 a month.
Because I filed for ssi with ssdi have I removed the option of suspending my payment at my FRA until 70 years old to allow a larger benefit for my wife?

Saturday, March 11, 2017 - 06:45

What Happens If I Collect From Age 66 To 68 And Then Suspend My Benefits?

I just turned 64 this year. In two years when i am at full retirement age can collect my social security for two years, suspend it, continue to work and pay into my social security untii age 70? Can you please explain how this would work. I have a credit card debt that needs to be paid off. Thank you!

Hi Brad,

Friday, March 10, 2017 - 07:45

Can I Suspend My Retirement Benefits When I Turn 66?

I have been receiving social security disability benefits. I will turn 65 years old this year. Is there a way to increase my retirement benefits by suspend them when I turn 66 and wait until I am 70 to start collecting?


Yes, effective with the month that you reach age 66, you can suspend your retirement benefits and resume drawing them at age 70. If you suspend them for the full 4 years, your benefit rate will be 32% higher when your benefits resume at age 70.

Wednesday, March 8, 2017 - 07:45
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