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I KEEP READING THERE ARE ADDITIONAL BENEFITS DUE ME AND i…

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I KEEP READING THERE ARE...
I KEEP READING THERE ARE ADDITIONAL BENEFITS DUE ME AND i NEED TO COLLECT BEFORE MAY WHEN LEGISLATION AND LAWS CHANGE. WHAT IS THIS
Submitted: 2 years ago.Category: Social Security
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Answered in 3 minutes by:
2/22/2016
Social Security Expert: Megan C, Certified Public Accountant (CPA) replied 2 years ago
Megan C
Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 16,608
Experience: Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
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Thank you for your question. MY name is ***** ***** I will be happy to help you today. Basically, the only thing that is changing are some filing methods that were previously available and used by married individual (and disproportionately wealthier married couples since it's financial advisors who would point this out) are going away as of May1. This is the "file and suspend" method where one spouse files, then suspended their application while the other spouse draws a spouse benefit and both allow their own benefit to grow. Another that is going away is the ability to choose to take the lower spouse benefit at retirement, and get your own later. The third thing going away is the "Deemed filing date" -- where you would apply, then suspend -- thus getting an application date in the system. IF you needed money later on you could request a lump sum back to the date that you filed. If you did not do that, then your benefit was higher when you started to draw.

Other than this -- if you are already drawing, nothing else changes -- and there's nothing additional available that won't be available after the law is enacted.

Please let me know if you need anything additional. If not, please rate positive.

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Megan C
Megan C
Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 16,608
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Experience: Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level

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