Social Security Questions? Ask a Social Security Expert
Hi from just answer. I'm PDtax, and will assist.
I believe you are correct in your understanding.
https://www.ssa.gov/planners/retire/suspend.html is a link to the SSA web page that confirms your understanding.
You might have better luck with another office visit.
Thanks for asking at just answer. Positive feedback is appreciated. I'm PDtax.
From that web page:
"If you have reached full retirement age, but are not yet age 70, you can ask us to suspend retirement benefit payments.
If you apply for benefits and we have not yet made a determination that you are entitled, you may voluntarily suspend benefits for any month for which you have not received a payment. Your request to suspend benefits may include any retroactive benefits that might be due.
If you and your current spouse are full retirement age, one of you can apply for retirement benefits now and have the payments suspended, while the other applies only for spouse's benefits. This strategy allows both of you to delay receiving retirement benefits on your own records so you can get delayed retirement credits.
Note: If you want to do this, only one of you can apply for retirementbenefits and have the payments suspended.
If you are already entitled to benefits, you may voluntarily suspend current or future retirement benefit payments up to age 70 beginning the month after the month when you made the request."
www.ssa.gov/planners/retire/suspend.html is a working link. Sometimes the HTTPS prefix must be removed in some browsers.
Thanks again from just answer. Positive feedback is appreciated. I'm PDtax.