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LawTalk
LawTalk, Attorney
Category: Social Security
Satisfied Customers: 37855
Experience:  I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.
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I start getting my monthly retirement in August (I am years

Customer Question

Hi,
I start getting my monthly retirement in August (I am 69 years and 8 month old), but the amount ($2,249) is the one of January, 2015 that I was 69 years old, I didn’t get the amount ($2,333) at the 69 years and 8 month old. I will continue getting this amount ($2,249) or I will get the amount ($2,333) I should get in next year?
I did apply for my benefits in April 2015, I picked up getting benefits in August, so I can get a little more, but when I receive the latter from Social security Office, I found that I get less amount than I Should get one.
Thanks!
Submitted: 2 years ago.
Category: Social Security
Expert:  Jonathan Tierney replied 2 years ago.

How did arrive at the $2,333 amount? Did you use one of Social Security's online calculators?

Customer: replied 2 years ago.
When I visited Social Security office on April 29, 2015, the Officer gave me the amount sheet that lists the amounts at different ages.
Expert:  Jonathan Tierney replied 2 years ago.

The person from Social Security was using the assumption that you would be collecting at age 69 and 8 months? I wonder if they gave you an amount based upon the April 2015 age since it typically takes 3 months to start collecting after making a claim. In addition, if they dated your claim earlier, you could collect benefits retroactively six months prior.

However, I can't really tell you how Social Security arrived at its numbers. You can go back to the Social Security office and ask how they arrived at your benefit amount. If you received any correspondence from them you can upload copies of them and I can review them if you want.

Customer: replied 2 years ago.
The data sheet on 4/29, 2015 is as the below:
$2,213 10/2014
$2,225
$2,237
$2,249 1/2015
$2,261
$2,273
$2,285
$$2,297
$2,309
$2,321
$2,333 8/2015
$2,345
$2,357
$2,369
$2,381 12/2015 (70 years old)
Officer said, I can start getting the benefits in any month from 10/2014 ($2,213) to 8/2015 ($2,333), so I pick up the August, 2015.
Expert:  Jonathan Tierney replied 2 years ago.

Okay, well it looks like they are paying the benefit for October 2014 or January 2015. You should contact the Social Security office again because it appears they made a mistake. Sorry that the solution means you will have to make another trip to the Social Security Administration.

You can also try to set up an online account and see if you can make any changes that way. Visit http://www.ssa.gov/onlineservices/ to set up an online account or http://www.ssa.gov/agency/contact/ for other ways to contact Social Security.

Customer: replied 2 years ago.
I have two choices; one is appeal in 60 days after I received the decision latter (I received the latter on August 12, 2015); other is reapplying for the benefits that will start at 70 years old (or 69 years old). Which way is easier and better?
Expert:  Jonathan Tierney replied 2 years ago.

I imagine reapplying for benefits at either 69 or 70 would be the easiest method. If you are in good health and do not need the cash right away, waiting longer and getting the increased benefit is usually the best way to go.

Customer: replied 2 years ago.
When reapplying for the benefits at 70 years old (or 69 years old) is the best time? Now or in January, 2016? Because when I applied these benefits on April 29, 2015, the officer talked to me that I will get the $2333 start in January, 2016, but the latter from social security office mentioned that the $2,249 is my regular monthly payment. If I knew $2,249 is my regular monthly payment, I would pick up January, 2015 for my first payment.
Expert:  Jonathan Tierney replied 2 years ago.

If you expect that you will exceed the typical life expectancy for your age, it is better for you as the increased benefits will pay off much better than the loss of benefits at the younger age. As no one knows how long they will live, there is no guarantee waiting for the increased benefit will pay off for you. This this ultimately your personal decision based upon your current financial situation and your expectations for the future.

Does your benefit letter state their rationale for coming to this decision? Could you upload a copy of the letter, if you want me to consider more?

Customer: replied 2 years ago.
I called Social Security Office, they said I can fill out Reconsideration Form for my case; it will take 4 months to get their new decision.
Expert:  Jonathan Tierney replied 2 years ago.

Does this answer your question? Is there something some other question I can help you with?

Customer: replied 2 years ago.
I am working on filling out the “Request for Reconsideration” form and writing the latter to Social Security Administration. In their note latter on August 9, 2015, they didn’t state their rationale for coming to this decision, so I plan to ask some questions for their decision.
You mentioned “If they dated your claim earlier, you could collect benefits retroactively six months prior”, if this means that I can collect benefits from February 2015 to July 2015? How much will be the monthly payment for these six months?
Expert:  Jonathan Tierney replied 2 years ago.

Sorry, the only way to calculate what your benefit payments would be is to have the history of your Social Security contributions.

Customer: replied 2 years ago.
Social Security officer has given me the below data sheet on April 29, 2015:
Monthly First Collect
Payment Month
$2,213 10/2014
$2,225
$2,237
$2,249 1/2015
$2,261
$2,273
$2,285
$2,297
$2,309
$2,321
$2,333 8/2015
$2,345
$2,357
$2,369
$2,381 12/2015 (70 years old)
Can I collect the benefits from February 2015 to July 2015? How much will be the monthly payment for these six months? It is $2,249?
Expert:  Jonathan Tierney replied 2 years ago.

Can you upload a copy of the data sheet?

Customer: replied 2 years ago.
No, I have only the hard copy, have no the file, the date sheet shows that is a benefit matrix:Age 70: 12/2015
*DRCs @ year end
DRC PIA$1,804.20
8% per yr
Max. 48DRC Delayed Effective
Retirement Month
MBA Year
33 $2,101.10
34 $2,213.10 10/2014
35 $2,225.10
36 $2,237.20
37* $2,249.20 1/2015
38 $2,261.20
39 $2,273.20
40 $2,285.30 4/2015
41 $2,297.30 5/2015
42 $2,309.30 6/2015
43 $2,321.40 7/2015
44 $2,333.40 8/2015
45 $2,345.40
46 $2,357.40
47 $2,369.50
48 $2,381.50 12/2015
Customer: replied 2 years ago.
DRC Delayed Effective
Retirement Month
MBA Year
33 $2,101.10
34 $2,213.10 10/2014
35 $2,225.10
36 $2,237.20
37* $2,249.20 1/2015
38 $2,261.20
39 $2,273.20
40 $2,285.30 4/2015
41 $2,297.30 5/2015
42 $2,309.30 6/2015
43 $2,321.40 7/2015
44 $2,333.40 8/2015
45 $2,345.40
46 $2,357.40
47 $2,369.50
48 $2,381.50 12/2015
Expert:  Jonathan Tierney replied 2 years ago.

Okay, I do not see how I can help without a scanned copy, so I will opt out.

Expert:  LawTalk replied 2 years ago.

Good afternoon,

New professional here. I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today. I do understand what happened and can explain it fully to you.

If you took your social security benefit beginning in August of this year and you were older than 66 at the time, then you WILL get your benefit increase for each month that you waited after age 66. The monthly increase is 2/3% per month.

However, social security only calculates the delayed benefit increases annually, and so when you took your retirement in August, you would have been paid the delayed retirement increase only through the end of 2015---which resulted in a bit less of a monthly benefit. However, social security will make good on your delayed benefit increase.

This December when social security recalculates your benefit, the additional 7 or 8 months of 2015 will be added in and you will see your 2016 benefit increase by the approximate 5.3% that was missed when you first took your retirement in August. You will also get a lump sum check for the additional benefit that was not paid from January to August---which should amount to about $800 to $1,000.

So by this time next year your benefit payment will be more than $100 per month higher because you will have been given the 2015 increase for the 7 or 8 additional months you delayed retirement with your 2016 benefit schedule.

You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.

Please remember to rate my service to you so that I can be compensated for helping you.

I wish you and yours the best in 2015,

Doug

Expert:  LawTalk replied 2 years ago.

This seems like a very crucial matter for you, and your questions and issues suggest that an in-depth conversation might best suit your needs. If you are interested, for a nominal charge I can offer you a phone conference as opposed to continuing in this question and answer thread. I will make that offer to you after I get this posted to your question thread. All you need do is accept the offer if you would like me to call. Let me know if you don't want a call and I can continue here.

Thanks in advance,

Doug