In some cases, to get the most out of your Social Security benefits, you will need to use a process called a restricted application. Social Security rules signed into law in 2015 changed the right to file a restricted application for those born on or after January 2, 1954. Access to the Restricted Application can be an important strategy for a divorced client who was also the lower-earner. Having some income from Social Security at FRA and then an increase in monthly benefits at age 70 can make a tremendous difference in later retirement years. Restricted Application Social Security Strategy Is on Its Way Out. If you're a boomer turning 66 in 2019, you should take advantage of this claiming strategy to boost your retirement income. My wife will turn 62 on September 28 2016 and i will turn 66 on October 8th 2016. On Friday July 15th we went to the social security office and she filed for benefits. Then the clerk asked if I wanted to file too because my birthday was coming up soon . I told her that I would want to file a restricted application for spousal benefits only. Determining when to start your Social Security benefits is a complex and personal decision. We encourage you to research your options before you apply for benefits. You may also contact Social Security at 1-800-772-1213 (TTY 1-800-325-0778) to speak with a representative about your retirement options.
11 Dec 2018 Many American workers plan to rely on Social Security benefits as a But one strategy — a restricted benefits application — has been Online notices can show you how much your Social Security benefits will be in 2019
You cannot report a death or apply for survivors' benefits online. If you need to report a death or apply for survivors' benefits, call 1-800-772-1213 (TTY 1-800-325-0778). You can speak to a Social Security representative between 7 AM and 7 PM Monday through Friday. You can also contact your local Social Security office. Online - Use our Social Security Retirement/Medicare Benefit Application to apply for retirement, spouse's, divorced spouse's or Medicare benefits. If your spouse is already receiving benefits when you apply, or if you and your spouse apply at the same time, we will also check your eligibility for benefits as a spouse. SOCIAL SECURITY ADMINISTRATION. APPLICATION FOR WIFE'S OR HUSBAND'S INSURANCE BENEFITS. I apply for all insurance benefits for which I am eligible under Title II (Federal Old-Age, Survivors, and Disability Insurance) and Part A of Title XVIII (Health Insurance for the Aged and Disabled) of the Social Security Act, as presently amended. Economic Security Planning, Inc. Today's column addresses questions about the timing of executing a restricted application, how and when delayed retirement credits are calculated and applied Online - Use our Social Security Retirement/Medicare Benefit Application to apply for retirement, spouse's, divorced spouse's or Medicare benefits. If your spouse is already receiving benefits when you apply, or if you and your spouse apply at the same time, we will also check your eligibility for benefits as a spouse.
The one who files this restricted application is basically telling the Social Security Administration that you’re filing to claim Social Security, but you want spousal benefits only and want to
14 Aug 2019 While delaying filing generally means a higher Social Security benefit, with Strategy: Unless one spouse qualifies for a restricted application, 5 Sep 2019 Social Security: How to File a Restricted Application for Spousal Benefits I turned 70 I went online and filed a regular application for benefits. 4 Feb 2016 Social Security's online retirement benefit application process is a safe way to file for your retirement benefit, because it asks you this one very