Ask Larry

What Does Social Security Mean By Exceptions To Deemed Filing For Disability And Survivor Benefits?

In response to your answer that I cannot delay my own retirement benefits while collecting my widows benefits by switching from my SSD to full widows benefits at FRA…
What does social security mean by exceptions to deemed filing for disability and survivor benefits?
“Deemed filing also does not apply if you receive spouse's benefits and are entitled to disability”
It appeared to me that this was a loophole for SSD recipients to convert at FRA??

Hi. People are allowed to apply just for Social Security disability (SSDI) benefits without being deemed to also be filing for spousal or survivor benefits at the same time ( However, deeming has nothing to do with the fact that SSDI benefits automatically convert to Social Security retirement benefits when a person reaches full retirement age (FRA). And, there is no way to decline or opt out of the conversion.

Best, Jerry

Nov 2 2022 - 8:55pm
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.