How Can I Increase My Social Security — Part II

Jun 11, 2013 Comments Off on How Can I Increase My Social Security — Part II by

I’ve already talked about delaying starting your Social Security retirement benefits as a way to get more money per month. This post is about strategies that may help you wait.

First, if you’re planning on going on Social Security retirement benefits before full retirement age — currently 66 — are you doing this because you want to step working or because your health is forcing you to stop working? If you’re doing it because of your health, you can also file a Social Security disability claim. It’s not a matter of filing for retirement OR filing for disability. You can do both! Social Security will go ahead and pay the retirement benefits while they adjudicate the disability claim. If they approve the disability claim, they’ll pay you the difference.

Second, if you’re planning to wait until after age 65 to go on Social Security retirement benefits, you don’t have to wait to go on Medicare. You can and should get on Medicare at age 65 regardless of when you go on Social Security retirement benefits.

Third, just because you’re delaying going on Social Security retirement benefits after your full retirement age — currently 66 — your spouse doesn’t have to wait to go on benefits on your account.  You can do a “file and suspend.” You file your retirement claim but ask that your benefits be suspended. Your spouse can then file for benefits on your account if he or she is otherwise eligible. Your spouse gets benefits now while you delay starting yours so that you get the delayed retirement credit.

Fourth, even though you delay starting your retirement benefits so that your benefit amount is higher, you can apply for and obtain Social Security benefits on some other person’s account, such as spouse’s benefits on the account of your husband or wife or widows or widowers benefits.

Attorney Posts

About the author

Charles Hall is the lead attorney for the Charles Hall Law Firm in Raleigh, NC. He has been practicing in the Social Security Disability law field since 1979, is published, and is ready to help new clients win their benefits in North Carolina.