Social Security Questions? Ask a Social Security Expert
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I was just reading up on this issue yesterday. It seems that social security defaults to claiming your benefits with a six month 'lookback' UNLESS YOU SPECIFICALLY TELL THEM NOT TO. There is an easy fix.
You will have to go to their office, but you simply tell them you do not want your benefits now. You are allowed to make that election, and return to them the money they paid you early. You can do this within the first 12 months of collecting your social security.
Returning the funds to them will fix the taxability, and return your acount to the way you want it.
I like to have folks call ahead for an early AM appointment, and get there before the office opens. It will cut your wait time down dramatically.
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