Social Security

Ask social security questions and get answers ASAP

Ask an Expert,
Get an Answer ASAP!

Missing benefits page deluca

Customer Question
missing benefits page for joe...
missing benefits page for joe deluca
Submitted: 2 years ago.Category: Social Security
Show More
Show Less
Ask Your Own Social Security Question
Answered in 18 hours by:
2/14/2016
Social Security Expert: Christopher B, Esq., Attorney replied 2 years ago
Christopher B, Esq.
Category: Social Security
Satisfied Customers: 4,138
Experience: associate attorney
Verified

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.

I'm guessing you are talking about the new changes made by HR 1314 and possible benefits he could be missing out on. The changes made by the bipartisan act that go into effect on May , 2016 are being hyped in the media but it is only a small loophole that is being closed. It is not a magical lump sum that has to be elected and deals with "file and suspend" spousal benefits and the "restricted benefit". Let me explain, a spouse can only take the spousal benefit if the other spouse has elected to take their benefit. Another requirement is that the spouse must be at least age 62 or have a qualifying child in her/his care. By a qualifying child, social security means a child who is under age 16 or who receives Social Security disability benefits. Currently the law is changing and a "suspend and file" cannot be elected starting on may 1, 2016. In this circumstance at full retirement age (66) one could file and suspend their benefits and continue earning credits until age 70 and their spouse could elect to take the spousal benefit. The spousal benefit can be as much as half of the worker's "primary insurance amount," depending on the spouse's age at retirement. If the spouse begins receiving benefits before "normal (or full) retirement age," the spouse will receive a reduced benefit. However, if a spouse is caring for a qualifying child, the spousal benefit is not reduced. Also the "restricted benefit" is being eliminated. If you turned age 62 be the end of December 31, 2015, you would be grandfathered in and at full retirement age you will still be able to restrict your benefit. This means that if you or your spouse would like to elect to take only the spousal benefit as opposed to your normal retirement benefit, you can restrict your election to ONLY the spousal benefit. This would allow you to collect the 50% spousal benefit while still gaining credits to your normal retirement benefit from ages 66-70 (the credit increases your benefit approximately 8% per year). After the law changes, at full retirement age, you would have to take the higher of the spousal benefit and your retirement benefit. You can no longer choose just the spousal and let your normal retirement benefit grow while still take the spousal benefit.

Please let me know if you have any further questions and please positively rate my answer if satisfied.

Ask Your Own Social Security Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a social security expertLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Christopher B, Esq. Your Own Question
Christopher B, Esq.
Christopher B, Esq.
Christopher B, Esq., Attorney
Category: Social Security
Satisfied Customers: 4,138
4,138 Satisfied Customers
Experience: associate attorney

Christopher B, Esq. is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response...

T.G.WMatteson, IL

I WON!!! I just wanted you to know that your original answer gave me the courage and confidence to go into yesterday's audit ready to fight.

BonnieChesnee, SC

Great service. Answered my complex tax question in detail and provided a lot of additional useful information for my specific situation.

JohnMinneapolis, MN

Excellent information, very quick reply. The experts really take the time to address your questions, it is well worth the fee, for the peace of mind they can provide you with.

OrvilleHesperia, California

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!!

AlexLos Angeles, CA

Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult.

GPHesperia, CA

< Previous | Next >

Meet the Experts:

dylatess

dylatess

ATTORNEY

3,467 satisfied customers

37 plus years of SSD practice

Megan C

Megan C

Certified Public Accountant (CPA)

4,582 satisfied customers

Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level

LawTalk

LawTalk

Attorney

3,071 satisfied customers

I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.

R. Klein, EA

R. Klein, EA

Accountant

334 satisfied customers

Tax & Social Security Benefits specialist

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

233 satisfied customers

Licensed in multiple jurisdictions, experienced business attorney.

AttorneyTom

AttorneyTom

Attorney

16 satisfied customers

Attorney

Stephanie O Joy, Esq

Stephanie O Joy, Esq

Soc. Sec. Attorney

3,283 satisfied customers

22+ years legal exp. - 12+ years owning/operating her own SSD Law practice.

< Previous | Next >

Related Social Security Questions
I believe that my ex-wife is not getting all the social
I believe that my ex-wife is not getting all the social security retirement money that she is entitled to. How do I find out? We can put together all the required information. … read more
NPVAdvisor
NPVAdvisor
CFP Licensee and Practitioner
Master's Degree
180 satisfied customers
I have a sister (Mary) who had a husband (Joe) that recently
I have a sister (Mary) who had a husband (Joe) that recently passed away. Both Mary and Joe worked and paid into the Social Security program before they went on to both work for a school district in E… read more
Chad EA, CDFA®, CFP®
Chad EA, CDFA®, CFP®
IRS Enrolled Agent, CFP(R),
Master\u0027s Degree
2,607 satisfied customers
I have a 63 year old widow born 8/20/1953. She is collecting
I have a 63 year old widow born 8/20/1953. She is collecting widows benefits based on her late husbands SS. Will her own SS Benefits continue to grow until age 70? she is currently not working and tak… read more
NPVAdvisor
NPVAdvisor
CFP Licensee and Practitioner
Master's Degree
180 satisfied customers
I want to take my social security at age 62. (Not 66 & 2
I want to take my social security at age 62. (Not 66 & 2 months ) I will be making $15,000 a year so I will not be penalized. But what is my wife, who is 15 years younger is making $60,000 a year. Wil… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
I AM 79 YEARS OF AGE AND AM BLIND IN MY LEFT EYE BECAUSE OF
I AM 79 YEARS OF AGE AND AM BLIND IN MY LEFT EYE BECAUSE OF GLACOMA. DO I GUALIFY FOR ADDITIONAL FUNDS?… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
My daughter has qualified Disability and has had her payment
My daughter has qualified for SS Disability and has had her payment increased based on my retirements. She lives with us now would my claiming her as a deduction impact her benefit… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
Saw an article about benefits change in April 2016 ,
saw an article about benefits change in April 2016 … read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
4,138 satisfied customers
I am 62 years old and executor of parents Estates. My mother
I am 62 years old and executor of parents Estates. My mother died on 8-30-15 and my father died 3 weeks later on 9-21-15. I contacted an agent with Social Security today, Jan 5, 2016 to find out how t… read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I understand that some SS rules are changing. i am 66,
I understand that some SS rules are changing. i am 66, single and work full time. I was told I should apply for SS and then suspend the payments because of new rule changes. I do not plan to really ta… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
I just turned 66 On October 3rd. I have been self employed
I just turned 66 On October 3rd. I have been self employed for the past 22 years as a music teacher of young children, and hope to continue working. The questions is I have no pension or retirement fu… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
Greetings and Thank you. Iam Joe 65 1/2 and intend to file
Greetings and Thank you. Iam Joe 65 1/2 and intend to file and suspend at 66 until 70, My wife 66 1/2 filed for her ss at age 62. when I file and suspend will she get 50% of mine or 35%of mine since s… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
Hi, I started taking social security at 62. My wife is still
Hi, I started taking social security at 62. My wife is still working part time and will be 66 next month. I turned 66 last month. Can she "restrict her application" and collect half of my reduced bene… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
I retired at age 60 and I am now age 62 and do not intend to
I retired at age 60 and I am now age 62 and do not intend to return to work. Should I file for early retirement or wait to age 66. My spouse is currently employed & intends to be for the next 3 to 4 y… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
My wife is 60 now and I am 65. I would like to start taking
My wife is 60 now and I am 65. I would like to start taking spousal benefits when she turns 62 when I am 66 and 9 months. Her SS statement estimates that she will $1600 when she is 66 but only $1300 w… read more
Megan C
Megan C
Certified Public Accountant (CPA)
Master's Degree
4,582 satisfied customers
I am 60, my ex wife of 20 years is now 58. What age is the
I am 60, my ex wife of 20 years is now 58. What age is the earliest that she can draw SS based on my account. She has not worked in almost 20 years, so I'm sure her account would be much smaller than … read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
I have a judgement against an individual, lets call him Joe
I have a judgement against an individual, let's call him Joe F. A sale of property was made and the Title company found my judgement and held up payment to Joe F. The question came up, "Is this the sa… read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers
Would I receive more money by changing to my wifes account?
Would I receive more money by changing to my wife's account? My ss number is XXXXX My wife's number is XXXXX Joe… read more
Charles Greiner
Charles Greiner
Owner
Bachelor's Degree
2,436 satisfied customers
Question about how spousal benefits are deternmined in the
Question about how spousal benefits are deternmined in the foillowing senerio. I am full retirement age (66) and my wife is 64. If I do a file and suspend so she can get spousal benefits does her bene… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Show MoreShow Less

Ask Your Question

x