Talked in circles? That suggests to me that you are unclear about something noted above. I realize it is a confusing topic, so please do feel free to inquire, Mark, if you don't understand. Please specify which matter you do not understand? To me it is very clear, and I explain it about 10 times/day to consumers needing to know, but I understand that it can nonetheless be confusing.
But, perhaps a shorter explanation will help you best: The only way to get a lump sum payment is to refrain from collecting/filing for some benefit you could have filed for, wait 6 months, and then file for it and ask that you get the last 6 months retroactive. You will then get the lump sum of 6 months all at once, and also THEN get your regular monthly checks. There is NO option to get FUTURE checks in advance, in a lump sum. None.
There are scamsters trying to sell the public a bunch of info by luring them with the thought of a lump sum of something they were unaware of, or some profit to be had. Unfortunately, that is hype and scam.
Incidentally, the date for the suspension issue to change, the thing that is actually effected on 5/1, is 5/1, not 5/10/16.
Mark, let me know if there remains any confusion, and I am happy to help, as always. Just let me know what you need.
(I would add that I have not been paid for my contributions here on my own time, nor do I have any connection with your arrangement you may have with the site that allows Q&A like this.)
Thank you for understanding my role here, my desire to help inform the public as to SS issues, and our rating system, which merely provides credit from the site to the helper, like me, for time and expertise shared.