Hello. My specialty is focusing on YOUR Financial needs. Financial Planner/Business Owner for 20 years. CPA,PFS,QFP,GMMA.
I hate to be the bearer of bad news. Unfortunately SS does not "pay retroactively". They will take the position that you should have filed at age 19. On a personal level I feel their attitude is stupid.
I had an 87 year old woman who was entitled to spousal benefits (about 1,000 a month) at age 66 when her spouse
retired. She SHOULD have been entitled to 252,000 retroactively. SS said : "We agree we would have paid her because she was entitled to this money but it was up to her to start collecting 21 years ago".
I am sorry that you are in this situation. I will offer you a call to discuss this. All you have to do is accept the offer.
What also makes it worse (sharing bad news) is that sometimes people get so angry they react emotionally and rate my service as bad.
The reality is that the answer to your question is very straightforward.
I wish I was able to supply a different answer, one along the lines you were probably hoping for but the facts are the facts.