The Benefits Blog

I have a client that is 62 and wants to draw benefits early and continue to work. When he is issued his W2, will SSA look at box 1 (wages, tips, other comp) for his earnings limit or box 3 (social security wages). I question this because if they are only looking at box 1, he wants to put enough mone...

I have a potential client who is 61 and will be 62 in October. She is currently divorced and has not drawn any Social Security benefits. Am I correct in stating she can reach out to SSA and draw off her ex-husband’s record given they were married for 10 years, as long as his record his higher than h...

The husband is FRA but plans to continue working as an orthodontist and is eligible for the max benefit based on his income. He has a 20-year-old disabled child with Down Syndrome. His spouse has been talking with the Social Security Administration and was told the child is eligible for $680 month. ...

I have a client that took his Social Security Retirement benefit at age 65, and his Full Retirement Age is 66 and 8 months. He did not take the Medicare Part B as he is still on his wife’s employer plan. He is diabetic and had his leg amputated below the knee. Since he is already taking his social s...

We have a client that is filing for his SS. He is also moving to Columbia, South America. He is a U.S. citizen. What, if any will be the repercussions?

As a U.S. citizen, your client will continue to receive Social Security benefits after moving to Colombia, South America, without any issues. The S...

Situation arose this afternoon, I am looking for some guidance. Husband died in 2021 at age of 64 and had already begun his Social Security benefit. 26 year old child is on SSI and is disabled. It sounds like she (mom, widow) is currently receiving child-in-care benefit.  She is about to turn age 60...

If Roger (born 09/01/1950) has a non-covered pension and drawing less in SS because of WEP , does that affect Ann’s SS? I am thinking Ann (born 08/07/1956) should take hers at FRA which is 66 & 4 months and would receive 50% of Roger’s unadjusted SS. Do you agree?  And what date should she use when ...

We emphasize SITUATIONAL SOCIAL SECURITY in the NSSA® Certificate program, as all your clients are UNIQUE. Your clients may be single, married with wide age differences, married with narrow age differences, divorced, surviving spouses, eligible to file a Restricted Application, children, public empl...

I have a client who was diagnosed with multiple myeloma.  He was laid off from his job and is going to be receiving a severance package for 30 weeks. His SSDI payment would be about $3115 a month.  He is wanting to know when it would make sense for him to apply for SSDI knowing that he has a severan...

Colorado is a common law state.  Mary and Lee were together for over 30 years until he passed three years ago.  Mary has attempted to get his social security but has had constant push back from the Lakewood, CO Social Security office.   They said she was not entitled because they did not live togeth...