Kathy, thank you for returning - we thought we lost you there, since I'd asked you a question back on 2/18 and you were MIA for 4 days. I was out of the office on Monday, 2/22, but am here today, in and out between meetings.
OK, first, there is no "suspending" prior to age 66. So what probably happened is that you told them you were working and exceeding the earnings limit placed on us when we are not actually old enough to be legally, fully, SS retired. When you do that and give an estimate of earnings to come, they reduce your current payment accordingly - often to zero if you earn enough for that calculated result. But, it is NOT suspended, it is reduced. Then, when you turn your full retirement age (FRA), since you have not suspended (and couldn't til FRA), and because you are no longer subjected to that earnings limit that would reduce your benefit payment, your payments continue as usual, but unreduced because there is no rule requiring reduction. But what you CAN do, if you want to stop taking (and let your own benefit grow to age 70 at 8% per year) is SUSPEND NOW. If you do that before 4/30, it will NOT be a blanket suspension on any dependents taking on your record (if any) - if you do it after 4/30, all suspensions are deemed blanket suspensions. (This won't effect you unless you have a spouse collecting a spousal benefit on your record or a child collecting a child's benefits on your record.)
SO, it was a little disingenuous the ignorant SS worker who said you have no choice but to resume. It is true it continues to pay you whatever is meant to be paid (same as before, it was just reduced to zero), but they could have said, "Hey, you can request suspension now." Good news is that you still can - but you lost a year of suspension opportunity. I wish you'd asked before! But it can still give you a nice boost now, if you can do it.
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