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What is the deal about the loop hole obama is to close may

Customer Question
1st and how do i...
what is the deal about the loop hole obama is to close may 1st and how do i qualify for all the benefits it says i am entitled to before that happens
Submitted: 1 year ago.Category: Social Security
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4/5/2016
Social Security Expert: Christopher B, Esq., Attorney replied 1 year ago
Christopher B, Esq.
Category: Social Security
Satisfied Customers: 2,983
Experience: associate attorney
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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. There has been a lot of misinformation out there regarding HR 1314. The changes made in the bipartisan act 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 or banned benefits that you will lose. It 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. There should be smiley faces or numbers from 1-5 to choose from. This extra step will cost you nothing extra and will ensure that I will be compensated for my time by the site.
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Ask Your Own Social Security Question
Customer reply replied 1 year ago
i started recieving ssi disability back in1997 after a time i started working part time was wondering shouldn't i have recieved more money when i was switched to actual ss at age 65 for the amount of time i worked while on ssi.
Social Security Expert: Christopher B, Esq., Attorney replied 1 year ago
You would switch at age 66 which is full retirement age (depending on your age, this is the age in 2016). It depends on how much you earned throughout your lifetime and the amount of credits you have built up (you need 30 credits which is approx. 10 years of work in order to be eligible for Social Security). Many times a person&#39;s disability benefits are more and they will see no change when they reach full retirement. Yes, once the switch over is made, normal retirement will pick up at age 66 and start paying your benefit. Any amount over your full retirement amount would be paid by SSDI. If the amount is more for your normal retirement benefit, you should be paid that amount when you reach full retirement age. Please let me know if you have any further questions and please positively rate my answer if satisfied. There should be smiley faces or numbers from 1-5 to choose from. This extra step will cost you nothing extra and will ensure that I will be compensated for my time by the site.
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Social Security Expert: Christopher B, Esq., Attorney replied 1 year ago
Just checking back in, do you have nay further questions?
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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.

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