Ask Larry

Suspending Retirement Benefits

How Does My Husband Go About Suspending His Benefits?

Having recently (2010) been diagnosed with rheumatoid arthritis, I filed for SSDI in 2011 (denied) and again in 2013. My husband had to start collecting early retirement as I was unable to work. My SSDI claim was finally approved in 2016. I read in your book about having to claim early due to hardship/recession and when turning 66 it may be good to suspend benefits until age 70. Is that correct? If it is correct, my husband turns 66 in February 2017 so does that mean he has to notify SSA to suspend benefits by the end of January 2017?

Wednesday, January 11, 2017 - 04:30

Can I Suspend My Benefits At FRA And Draw Spousal Benefits?

I am currently 59 yrs. old and have been receiving SSDI for 15 years. I understand that my SSDI benefits will revert to SS retirement benefits at age 66 yrs. old. I am married and my 69 yr. old husband is still working full time. My question is once my SSDI benefits convert to SS retirement benefits at age 66 yrs. old is there a way to suspend collecting my SS retirement benefits at that time in order to receive a higher amount of SS retirement benefits when I am 70 yrs. old? Can I at age 66 yrs. old claim SS retirement benefits on my husband's SS benefits?

Monday, December 26, 2016 - 10:30

When Should I Submit My Request For Suspension Of Benefits?

I am currently recieving disability benefits, will be 66 in jan 2017 i went to the local social security office today to suspend my benefits at fra in order to recieve drc originally ssa agent said since i have recieved disability could not recieve drc, but upon ssa agent checking with someone else was advised i could recieve drc but could not apply/suspend until i have reached fra i was given a form ssa-795 looking again at a link you had sent me previously - ssa/voluntary suspension faq #1- it is saying suspend the month before payment is due (jan benefit = feb payment) so am

Friday, December 16, 2016 - 12:00

Can I Suspend Benefits Without Paying Back What I've Already Received?

Thanks for taking this question. Have been getting conflicting answers from 2 different CFPs so here goes. I turned 66 this past August 2016. Applied for and begin receiving my Soc Security benefit at that time. Now 4 months later I realize I do not need the money at this time. Wife is 62 and is entitled to her own benefit which is higher than mine. We plan not to have her apply till age 70. She is not collecting any kind of Spousal Benefit.

Friday, December 16, 2016 - 11:45

Can My Husband Take Retroactive Benefits Now And Still Be Allowed To Suspend His Benefits Later?

My husband turned 66 May 5 and didn't file for Social Security, thinking he would try to maximize his total monthly benefit by waiting. However we have had a financial crisis and he now needs to apply. If he takes the 6 months retroactive benefits (which would help us through this emergency), but then got the job he has been hoping to get hired for sometime in 2017, could he suspend his monthly benefits and start re accruing the 8% per year again?

Thursday, December 15, 2016 - 11:30

How Do I Go About Suspending My Benefits?

I am writing social security to suspend benefits however the only address they list is for public inquiries and am unsure if this is the correct place and for email it said not to include a social security number, so not that and for online, suspending benefits was not one of the choices from their drop down menus want to make sure i do this correctly thank you once again


Thursday, December 8, 2016 - 10:15

How Do I Go About Requesting Voluntary Suspension Of My Benefits?

Hi, I am currently recieving disability benefits, and will reach fra in just a few weeks (4 jan 2017). To recieve drc when do I need to notify soc sec in Nov or Dec? Do I say effective with fra benefits? or suspend fra benefits? Having read the questions regarding drc benefits am quite confused. If I claim at age 70, would my full drc be included in the Jan 2021 benefit? and if I claim somewhere between fra and age 70, would I first recieve the fra amount with a retroactive adjustment to reflect the drc at a later date?

Tuesday, November 29, 2016 - 12:15

Can I Suspend My Benefits If I Get A Job?

I started receiving my social security benefits at age 62. I am now 63 and am finding that I need to go back to work to offset our health insurance costs and lower farm income because of commodity prices. My husband is self employed and also 63. He is planning on taking his social security at 66. If I get a job, can I suspend my social security benefits until age 66?


Wednesday, November 2, 2016 - 10:45
MaxiFi software running on a laptop
Get What's Yours!
Discover tens of thousands in extra retirement dollars with Maximize My Social Security software!
  • Find your maximized strategy
  • Unlimited what-ifs
  • Step-by-Step filing instructions
  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

Getting Started is Easy
Web-based software. Works on ALL browsers. No download.