The Benefits Blog

I have a married female client Annette born 6/1958, who is undergoing 8 week spinal treatment and then possible back surgery.  The doctors are saying this has a 50% chance of success.  If she cannot work due to this pain, what is the best approach or process for filing for Disability?  Is getting an...

My sister-in-law turned 66 on August 15, 2022 and will reach full retirement age on December 15. She is currently in a residential Mental health facility but will be released tomorrow. She has not applied for Social Security benefits and the psychiatrist is telling her to apply for Social Security d...

If someone is planning on filing at the FRA and their FRA is March 6, 2023, should they file before that date or on that date? When would their first check be received?

When someone reaches their Full Retirement Age (FRA) on March 6, 2023, they should ideally file for their Social Security benefits...

We have a client who filed and started receiving his benefits about a year ago.  His wife is going to now apply for hers, as she will be 62 this year. His benefit at FRA is more than 2xs hers at her FRA. They are applying online.  As they go through the app process online, there is no link or sectio...

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. ...

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...

Have a client who is going to start Soc Sec benefits at 62. Her estimate is about $2,400 per month.  She has a daughter who is 24, and will be 25 in Sept.  She has been physically and mentally disabled and receives SSI (which is $947 per month). Will she get an increase when my client retires next y...

Wife is collecting SSDI, but the husband with a much larger benefit has not filed for SSB.  Since she has SSDI, does deemed filing apply?  Meaning she will get a reduced Spousal benefit when the husband does file. This makes me think that she can refile for spousal at FRA if she wanted to get the ma...