I realize you have a question about social security. My goal is to help you better understand your options.
Yes, I am here
I went to the SS site to apply for benefits today and have a few questions about that.
I filled out the questionnaire. Is that all I need to do?
Yes, that should be all you need to do
I turned 66 on May 24. They asked if I wanted to apply as of today, and I said "no" and was given a choice dating back as far as May. I said, yes, to applying as of May 2013. Does that mean that my monthly checks will start as of today, or as of May 24?
Your checks will start for may, so you will get a check with lump sum benefits for may, june, and july probably in august
Also, it appears that I had no choice but to apply for Medicare as well (but not "Part B"). How does that affect the coverage I now have under my wife's
health insurance plan (Harvard Pilgrim HMO)?
Harvard has told my wife to continue under her plan and not under Medicare. It did not appear to me to be an option to not sign up for Medicare.
Yes, you will sign up for Medicare A
And what are the implications of that for my coverage under Harvard Pilgrim?
You would have to direct those questions to your employer's healthcare plan administrator
I would not know without reviewing your plan documents
Is there any way I can not sign up for Medicare A and still receive monthly SS benefits?
Is there any way I can get SS benefits and NOT apply for Medicare Part A?
Will Harvard Pilgrim know that I have signed up for Medicare?
Medicare A is free
But, you can tell social security you don't want Medicare
OK, but that did not appear possible on the form I filled out.
Well, there's no reason to decline Medicare A
OK, thanks. Once again, you have been very helpful! (Assuming all your answers are correct!)
Glad I could help
Thank you for your positive rating. Please come back and visitCustomerfor any of your tax, finance, or social security needs. It was a pleasure working with you today
Are you there today? Please let me know when you are. Thanks.
I am here. How may I assist you today?
This is a question relating to my wife's social security benefits. She is 66 years old and will be 67 on August 21, 2013. (She is working full time, but I don't that matters after her 66th birthday, correct? Please confirm. If she filed by tomorrow, July 23, 2013, could she still collect a year's worth of SS benefits that have accrued since her 66th birthday, or is it too late, so that that year is lost?
(1) If she wanted to apply to get the six months benefit, when is the latest she can do so? Again, her birthday is XXXXX 21.
(2) If she wants to get the higher payout she will be due when she reaches 67, when does she apply for that?
Last questions for now. How does it work with her age 66 level of benefit vs. her age 67 level of benefit? I would assume that if she receives ANY benefits for age 66, that means that she never gets the higher payout she would receive if she delays receiving benefits until after she reaches 67, correct? In other words, she would have to wait to apply until August 21, 2013 to start receiving benefits at the higher level. Do I understand this correctly?
Makes sense to go up month by month, presumably 2/3 of 1% per month. Thank you.
Thanks for your positive rating - and generous bonus. Please feel free to come back here if you have more questions. I understand that applying for social security can be confusing. Thanks again.