How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Christopher B, Esq. Your Own Question
Christopher B, Esq.
Christopher B, Esq., Attorney
Category: Social Security
Satisfied Customers: 2981
Experience:  associate attorney
84496330
Type Your Social Security Question Here...
Christopher B, Esq. is online now
A new question is answered every 9 seconds

I am 79 years old and need to know if I have to file

Customer Question

I am 79 years old and need to know if I have to file for these benefits before they expire. if so how do I file. does this affect my current benefits?
Submitted: 1 year ago.
Category: Social Security
Expert:  Christopher B, Esq. replied 1 year ago.

My name is***** and I will be helping you with your question today. This is for informational purposes only and does not establish an attorney client relationship.

There have been a lot of people and websites speaking of this change like it is going to effect a lot of people. This loophole is small and does not add to benefits for a person your age. It involves suspending your benefits at age 66 in order to allow your spouse to take the spousal benefit and let your credits build up until age 70 for a higher social security benefit. You will only meet the requirements for the "file and suspend" If you are at full retirement age (66) and you have a spouse that is eligible to take spousal benefits. This will allow you to suspend you benefits at age 66 and have your spouse elect to take the 50%spousal benefit and you can elect not to take the benefit until age 70 and increase you ultimate benefit by receiving credits during this time. So no this not add anything to your check and you should not worry about this change in the law. that will go away in May 1, 2016.

Please let me know if you have any further questions and please positively rate my answer as it is the only way I will be compensated for my time by the site.