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Christopher B, Esq.
Christopher B, Esq., Attorney
Category: Social Security
Satisfied Customers: 2983
Experience:  associate attorney
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Your system is not user friendly. I had question

Customer Question

Your system is not user friendly. I had a followup question which you ignored. I asked you to focus on the specifics of my case, not speak in generalities. I am 76, a full time worker and receiving SS benefits. My wife is 63, a full time worker, and has not applied for benefits. What can we specifically do to maximize our benefits.
Submitted: 1 year ago.
Category: Social Security
Expert:  Christopher B, Esq. replied 1 year ago.
I did not ignore it,please see the response I drafted to your question below. It is posted on the other question and has been for about 30 minutes. You need to do nothing at this point, at age 76 you are past mandatory retirement and cannot suspend your benefits nor restrict your benefits. your wife cannot suspend her benefits as she is not age 66 by May 1, 2016. She can restrict her benefits at full retirement age (FRA), it is fine to do this after May 1 as she is grandfathered into the loophole because she was age 62 by December 31, 2015. When she files at age 66, she will file a restricted application, this will allow her to take ONLY the spousal benefit (this will be 50% of your benefit). She will not take her normal retirement benefit and it will grow each year she does not take her benefit by 8% (ages 66-70). At mandatory retirement age, (age 70.5) she will have gained 32% to her own retirement benefit and will the elect to take her normal retirement at that time. From ages 66-70 she will receive the 50% spousal benefit the entire time. This loophole will be eliminated by HR 1314 for the future. She cannot also elect to take her benefit before age 66 or she will be precluded from making the restricted application at age 66. Does that make sense? 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.
Expert:  Christopher B, Esq. replied 1 year ago.
Are you there?
Expert:  Christopher B, Esq. replied 1 year ago.
Just checking back in, do you have any further questions?