Social Security

Ask social security questions and get answers ASAP

Ask an Expert,
Get an Answer ASAP!

I am currently under the restricted type filing wherein my…

Customer Question
I am currently under the...
I am currently under the restricted type filing wherein my husband has spousal benefits and he suspended his benefits to age 70. I returned to work and was misinformed by ss that my working would not impact his benefits...just mine since I am not yet 66. We both however got notice that both benefits would cease this year and be reevaluated upon filing of our return next year! Ouch! Now I understand effective April 2016 this filing strategy will be discontinued...my fear since I can't get a straight answer from ss is...are we still active participants in the plan since we are not receiving benefits currently and will will be grandfathered in or have we lost our filing status. I need desperately to know the correct answer as I need to seriously consider if I need to reconsider my future or this new job!
Submitted: 2 years ago.Category: Social Security
Show More
Show Less
Ask Your Own Social Security Question
Answered in 34 minutes by:
2/15/2016
Social Security Expert: Christopher B, Esq., Attorney replied 2 years ago
Christopher B, Esq.
Category: Social Security
Satisfied Customers: 4,174
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.

The only deadlines that would effect you are the "file and suspend" deadline which is April 30, 2016. One would have to be at full retirement in order to suspend their benefits and allow their spouse to take the spousal benefit. This would not effect you anyway as you have filed for early retirement and will not be age 66 on April 30. The "restricted benefit" on the other hand is what your spouse has elected (you could not have made this election only filed to receive your retirement benefits if you were before full retirement age). You are grandfathered into this if age 62 on December 31, 2015. This is filed when one actually reaches full retirement age (age 66 in 2016). So even though you are not receiving retirement benefits because of your income and thus your spouse not receiving the spousal benefit, your spouse is still grandfathered into the restricted benefit. You can (if within 12 months of your initial election) rescind your election as long as you pay back all of the benefits you received during this time (including spousal benefits). This might be beneficial if possible and you would be able to increase your benefit until age 66 when you can earn income and not be subject to the penalty. To answer your question, your husband can still restrict his benefit as he is grandfathered in.

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

Ask Your Own Social Security Question
Social Security Expert: Christopher B, Esq., Attorney replied 2 years ago

Just checking back in,do you have any further questions?

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: 4,174
4,174 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 am 68 and waiting until 70 to file for my social security,
I am 68 and waiting until 70 to file for my social security, My wife is 64 and also will wait until FRA or 70 before filing. what is the restricted filing provision and would it apply to us. … read more
NPVAdvisor
NPVAdvisor
CFP Licensee and Practitioner
Master's Degree
180 satisfied customers
My husband is going to be in June and I will be 68 in November,
My husband is going to be 69 in June and I will be 68 in November, neither of us as applied to collect any social security yet. I have heard that since my SS is currently calculated to be slightly hig… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
I am 64 working , make 109k a year , not collecting SS yet,
I am 64 working , make 109k a year , not collecting SS yet, have two children 16 and 19 both in school, my wife is 48, are the new changes on May1 going to affect me??… read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
4,174 satisfied customers
In regard to the Apr. 30 deadline. Do you offer a service
In regard to the Apr. 30 deadline. Do you offer a service to file with SS "File and suspend"? I will be 64 this year. I was married for 12 years and never remarried. I wish to file for SS and spousal … read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
4,174 satisfied customers
What is the specific change in the SS rules on May 1, 2016
What is the specific change in the SS rules on May 1, 2016 that will reduce my benefits if I do not act?… read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
4,174 satisfied customers
I am 63 years of age, my husband, Bob, will be 64 next month.
I am 63 years of age, my husband, Bob, will be 64 next month. I am on social security disability. I am trying to find out what action we need to take in order for him to file and suspend his social se… read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
4,174 satisfied customers
My wife and I are both 63. I will be turning 64 in June and
My wife and I are both 63. I will be turning 64 in June and she will be turning 64 in July. I am working and I am paid approximately $100,000 per year. She is not working but has earned enough credits… read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
4,174 satisfied customers
I an the larger earner and I'll be 65 in Sept, so I
Hello, I an the larger earner and I'll be 65 in Sept, so I have not reached FRA. My wife will be 63 in July. Unfortunately, I cannot use the file and suspend option but I do not fully understand the r… read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
4,174 satisfied customers
My wife and I are living on our SS monthly deposits. I don't
My wife and I are living on our SS monthly deposits. I don't understand what is taking place the end of this month. We are both 81 and been paying SS since we starting working at age 16. Please advise… read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
4,174 satisfied customers
I am 63 years old and started getting my Social Security at
I am 63 years old and started getting my Social Security at the age of 62 years. I am hearing and seeing a lot about the Social Security closing the loopholes for good on April 30, 2016 and that we ha… read more
Bill
Bill
Master's Degree
2,278 satisfied customers
There is lots of news about "file and suspend" and spousal
There is lots of news about "file and suspend" and spousal benefits (apparently changing April 30, 2016). My wife is almost 67 (March 1949) and I am 64 (September 1951). We both have worked for more t… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,528 satisfied customers
I wanted to ask you what action you recommend to obtain the
I wanted to ask you what action you recommend to obtain the maximum SS benefit in the following scenario: I reached FRA in January of this year and received my first SS check this month. My wife will … read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
4,174 satisfied customers
What is the about May 16th of this year. I can't seem to
What is the about May 16th of this year. I can't seem to find an answer. I was born in 1939.… read more
Megan C
Megan C
Certified Public Accountant (CPA)
Master's Degree
4,582 satisfied customers
Myself and my wife both collect social security our ages are
Myself and my wife both collect social security our ages are 64 and 63 we started to collect at 62.We both retired at the same time from Walt Disney world. We only collect $718.00 for my wife and $791… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,528 satisfied customers
I am now 66 (born Oct. 1949) and have already filed and
I am now 66 (born Oct. 1949) and have already filed and suspended my own SS benefits. My wife turns 66 in June 2016 (June 1950). Neither of us has ever received any SS $. Questions: 1. When my wife fi… read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
4,174 satisfied customers
I a male and was born on May 22, 1950. My wife was born on
I a male and was born on May 22, 1950. My wife was born on September 27, 1957. I am not currently working but my wife is. My estimated benefit at my full retirement age (FRA) is $2,545 and my wife's w… read more
Megan C
Megan C
Certified Public Accountant (CPA)
Master's Degree
4,582 satisfied customers
New SS law question: I am already 65 (Turn 66 FRA in
New SS law question: I am already 65 (Turn 66 FRA in September 2016) and my husband is already drawing Social Security. Will I still be able to file a restricted application for Spousal only and allow… read more
Megan C
Megan C
Certified Public Accountant (CPA)
Master's Degree
4,582 satisfied customers
With regards to the new budget law (Oct. '15). I understand
With regards ***** ***** new budget law (Oct. '15). I understand the File and Suspend will be discontinued, but we may be able to use Restricted application when we turn 66 (currently my husband and I… read more
LEV
LEV
Retired
Bachelor's Degree
14,896 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