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THE WHOLE SYSTEM IS RIGGED!!!! They got rid of file and suspend, they eliminated restricted application, they tax our benefits, and they STILL haven't fixed the WEP/GPO problems!!! When will Congress stop treating seniors like ATM machines????
While there are certainly issues with how Social Security has evolved, the changes to file and suspend and restricted application were actually intended to eliminate strategies that primarily benefited higher-income households. Most people who could afford to delay benefits were higher earners. That said, I do agree that more transparency and consistency in the rules would help everyone.
Thank you all for the helpful information. I'm disappointed but at least now I understand my options better. I think I'll wait until 70 to maximize my benefit since I can afford to do so at this point. It's frustrating that the rules changed and eliminated this strategy, but I appreciate everyone taking the time to explain it so clearly!
That's a good decision if you can afford it. Every year you wait after your FRA adds approximately 8% to your lifetime benefit amount, and that increase is permanent and includes future COLAs. At current life expectancies for women your age, waiting until 70 tends to pay off in the long run.
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another thing to think about - how long have u been married? if its not 10 years yet and ur heading for divorce u might want to wait till u hit 10 years before finalizing anything
We've been married for 23 years, so thankfully that's not an issue. But that's a really good point for others in similar situations who might be close to that 10-year mark!
Here's a summary of your options: 1. File for your own retirement at 62 (approximately 30% reduction) 2. Wait until your husband is eligible (62) AND files for his benefits, then file for spousal benefits 3. Consider divorce if appropriate (after 10 years of marriage) which could allow you to claim on his record once he's 62 even if he hasn't filed 4. Wait until your Full Retirement Age to avoid reductions If you expect to receive spousal benefits eventually, consider whether the extra money from filing early on your own record will offset the permanent reduction to both benefits. This calculation depends on your life expectancy and financial needs. For specific estimates, you'll need to know: - Your Primary Insurance Amount (PIA) at Full Retirement Age - Your husband's approximate PIA - Your exact birth date to determine your FRA and reduction percentages
This is so helpful - thank you for laying out all my options clearly. I think I need to find out what my husband's PIA would be to make an informed decision. I'll try to get through to SSA for specific numbers. Based on everyone's advice, I'm leaning toward taking my own benefit now at 62 since I could really use the income, and then possibly switching to spousal later if it makes financial sense, even with the reduction.
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im 66 and my husband is 70 can i do this too
It depends on your birth date. Were you born before January 2, 1954? If yes, then you can file a restricted application for spousal benefits only (assuming your husband is already receiving his benefits). If you were born January 2, 1954 or later, then you cannot use this strategy - you'd be subject to deemed filing rules.
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just wondering, what kinda disabilities do u have? some get approved faster than others
I have stage 3 chronic kidney disease, severe rheumatoid arthritis that affects my hands and knees (can't type or stand for long periods), and major depression with anxiety. I've included all my medical records and specialist reports with my application.
One important point that hasn't been mentioned: if your SSDI is approved, you'll likely receive back pay from your application date (or 5 months after your disability onset date, whichever is later). This could be a significant lump sum that would put you over the SSI resource limit again. You should ask your attorney about setting up a PASS (Plan to Achieve Self-Support) account or an ABLE account if you qualify, which are special accounts that don't count toward your SSI resource limit. This can help you manage any back pay without losing eligibility for other benefits. Also, make sure your dire need status is documented regularly. If your financial situation is worsening, have your attorney submit updated information to potentially expedite your case.
I had no idea about PASS or ABLE accounts! This is really valuable information. I'll definitely ask my attorney about this tomorrow. Thank you so much for taking the time to explain all this.
Fatima Al-Maktoum
To clarify a key point that's causing confusion: Once you reach age 70, there is NO BENEFIT to waiting longer to apply. Age 70 is the maximum age for delayed retirement credits (DRCs). If you're already 70 in 2025, you should apply now. Waiting until 2026 will not increase your benefit amount through DRCs. The only thing that could potentially increase your benefit by waiting would be if you're still working and replacing a lower-earning year in your calculation with a higher-earning 2025 year. The difference between someone who turned 70 and applied in 2024 versus 2025 is due to the wage indexing in the initial calculation, not because of some advantage to waiting past 70.
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Liam McConnell
•Thank you for emphasizing this! I'll definitely apply now rather than waiting. My highest earnings years were already within my top 35, so working longer wouldn't help my calculation anyway. I appreciate everyone's help in understanding this confusing system!
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CosmicCaptain
wait so if I'm turning 66 this year should I wait till 70? will I get more $$$ that way? or should I just take it now? i'm so confused by all this!!!!
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Amara Oluwaseyi
•That's a different question from what the original poster asked, but generally: Yes, waiting until 70 will give you a significantly higher monthly benefit (approximately 32% more than at your full retirement age of 66). Whether that's the right choice depends on your health, financial situation, and other factors. But if you're trying to maximize your lifetime benefit and expect to live past roughly age 80, waiting is mathematically advantageous.
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