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Will the new law starting may 1 2016 effect me if i have…

Customer Question
will the new law starting...
will the new law starting may 1 2016 effect me if i have been on social security disability since 2003.
Submitted: 2 years ago.Category: Social Security
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Answered in 2 minutes by:
2/3/2016
Social Security Expert: LawTalk, Attorney replied 2 years ago
LawTalk
LawTalk, Attorney
Category: Social Security
Satisfied Customers: 37,876
Experience: I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.
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Good afternoon John,

I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today. I can assist you in understanding the rule changes and the effect, if any, that they will have on you.

The changes to the social security law were quite limited in scope and the vast majority of Americans were not effected to the extent that they need to do something right away to preserve or maximize their benefits. Let me explain.

There is a tremendous amount of misleading information as well as outright misinformation floating around the internet and on radio and TV about the recent changes in the law. In reality the changes effect only a very small percentage of Americans and they relate to a spouse benefit.

The reality is that there is not really unclaimed benefits(and this is where the big lie really is), but there are 2 loopholes being closed that would allow a very select few people to get more benefits over the remainder of their lives.

Unless you are presently married, at least 62 years old and not receiving a social security benefit yet, then the changes will not effect you and will not allow you to get any extra money from social security when you retire. Neither will the changes mean that you will get less of a retirement benefit when you do retire. The monthly benefit amounts have not changed.

The loopholes being closed---there are 2 of them--- allow the following:

1. A person over 66 who is not taking their own benefit yet to File and Suspend a retirement claim, and allow their spouse to take an immediate spouse benefit. This loophole ends on May 1, 2016 for everyone,regardless of age.

2. Allow you to take a Restricted Spouse Benefit after age 66 and still allow your own retirement benefit to grow to age 70 by8% per year----but in order to qualify for this loophole, you MUST be born before February 2, 1954 and not yet be receiving any kind of a social security benefit when you first apply for the spouse benefit.

So unless you fall into one of the 2 categories above, then the change in the laws have no direct impact on you.

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 be so kind as to rate my service to you. That is the only way I amcredited for assisting you.

I wish you and yours the best in 2016,

Doug

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Social Security Expert: LawTalk, Attorney replied 2 years ago

Good afternoon,

Do you have any additional questions that you would like me to address for you? In case you would like a phone call to further discuss these issues you have raised, I will make that offer to you. You are certainly not obligated to accept a call offer, but many people do find it helpful for clarification purposes, as well as to allow them to ask additional questions.

If I have provided you with the information you were seeking, would you please now rate my service to you?

Please keep in mind that, even though you have already paid your deposit money over to JustAnswer, until you rate me highly for my service, I will not be paid for having assisted you with your questions.

Thanks in advance,

Doug

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