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Ask Stephanie O Joy, Esq Your Own Question
Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13437
Experience:  19+ years legal exp. - 10+ years owning/operating her own SSD Law practice.
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I'm divorced. At full retirement age as of this month.

Customer Question

I'm divorced. At full retirement age as of this month. Working full time. In process of filing back taxes that will raise my benefit. I have filed but should I withdraw application and delay SS benefits until taxes filed & I work less?
Submitted: 1 year ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 1 year ago.

If you filed and asked for a start date of full retirement age or oafter, you need not work less - you will not experience an SS benefits reduction because that only applies to early retirees. Of course, the more income you have the more you will be taxed, including potentially your SS benefits, but I am not convinced that is a sound reason not to work (because one doesn't want part to go to taxes).

That said, if you collect at 66+ (FRA), you are refraining from earning those delayed retirement credits, which could INCREASE your full retirement benefit by 32%. So, if you haven't considered it, waiting to collect til 70 can create greater ongoing income later, when you may have no choice but to not work. And, if you do not have 35 good years of strong income, those extra 4 years, IF they are higher than any of your current top 35, can cause an increase in your benefit rate organically a well (in addition to the 32% increase).

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Kindly rate me "excellent" when you are done. I look forward to assisting you in the future, should you have legal questions. Be sure to start future posts with "To Stephanie O Joy Esq., ONLY" if you want me to specifically answer it.

Sincerely, ***** ***** Joy, Esq.

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