Ask Larry: Questions and Answers | BAM - Maximize My Social Security

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Can I Draw From Both Of My Ex-Husband's Social Security?

Can I draw ss from both of my ex husband's ss,they are both still alive

Hi,

No, at least not at the same time. If you qualify and file for benefits on the record of more than one ex-spouse, you could only be paid the higher of the benefit rates.

You could, however, potentially draw benefits on more than one ex's record at different times. For example, if one of your ex-spouses is eligible for benefits before the other you may be able to draw on that ex's record for a while and then switch to the other ex's record at a later date. You may . . . Read More

Category: Divorced Spousal Benefits
Posted: Jun 9 2019 - 4:25pm

Are There Legal Rules Regarding My Situation?

I've been fighting w SS for Divorced Spousal Benefits for 50 months and recently won at an ALJ hearing. The Operations Manager Div1 of SSA sent it to the Appeals Council and they are intent on overturning that decision and deny me DSBs and is now the 30 days in which I had to respond to. I did by fax asking for more time and telling them I intend to further plea my case. Oh how I wish I had read your info before. I applied for DSBs and was told by a Tech Expert to do this I had to File and Suspend. Turns out I was eligible for DSBs just as the law changed but thy cannot use . . . Read More

Category: Miscellaneous
Posted: Jun 9 2019 - 4:10pm

If I Move To California Would I Get More Money To Live On?

I live in Virginia and if I moved to Calif. would I get more money a month to live on. for cost of living.

Hi,

If you're asking whether or not your Social Security benefit rate would go up if you moved to California, the answer is no.

Best, Jerry

Category: Miscellaneous
Posted: Jun 9 2019 - 4:00pm

If I Win Some Lottery Money Could I Keep My SSI Retirement?

Just have one question. If I won some Lottery money could I keep my SSI retirement , I retired at 62.

Hi,

Lottery proceeds would have no effect on Social Security benefits. However, if you're receiving Supplemental Security Income (SSI) then lottery proceeds could affect your eligibility or benefit rate. SSI is a needs based benefit administered by Social Security, so any changes in a recipient's income or resources can have an impact on those payments.

Best, Jerry

Category: Miscellaneous
Posted: Jun 9 2019 - 3:53pm

What Are My Options For Changing My Date To Start Benefits?

if I filed for benefits on Friday 6/7 and want to change my benefit start date can I do it. the papers I was given seem to say changes can be made within 10 days. would this apply . what are my options?

Hi,

Yes, you'll be able to change your month of election to start benefits, but the action necessary to do so will depend on whether or not your claim has been processed. I would first try calling Social Security to see if you can reach the person who's handling your claim. If you can get in touch with that person and your claim hasn't been processed . . . Read More

Category: Filing For Benefits
Posted: Jun 9 2019 - 3:38pm

Can I Switch From SSDI To SSI If I'm 62 And Want To Try Working?

I am 62. I've been collecting SSDI since 1997.I was wondering if I should ? can switch to SSI at this point so that I can try a part time job.

Hi,

I assume that you are referring to switching to regular Social Security retirement benefits, not Supplemental Security Income (SSI). You could switch from drawing Social Security disability (SSDI) benefits to drawing Social Security retirement benefits at age 62, but your benefit rate would then be reduced for age. The likely result would be a roughly 25% cut from your current SSDI rate. Furthermore, . . . Read More

Category: Filing Options
Posted: Jun 9 2019 - 10:09am

How Will My Delayed Retirement Credits Be Calculated?

I am 67 and was eligible to start benefits at 66. I now want to file for benefits. my birthday is in march. if I request benefits to start in September will I get the extra credits 1 year + (4%) for the extra 6 months I delayed. the ssa agent told me I would only get the 1 full year of delay. is this correct. the ssa web site states 67+ 6 months is 112% .8% for year 1and 4% for the last 6 months. which is correct

Hi,

If you start drawing your Social Security retirement benefits effective 18 months after the month you reached full retirement age (FRA . . . Read More

Category: Delayed Retirement Credits
Posted: Jun 9 2019 - 9:43am

Can I Received Survivor Benefits From The Death Of My Domestic Partner?

Can I receive Survivor's benefits from the death of my domestic partner?

Hi,

It's possible, but you could only qualify if a) your domestic partnership was valid in the state where it was established; and b) it qualifies as a marital relationship under the laws of the state in which you and your partner resided at the time of death, or if the partnership affords you with the inheritance rights of a spouse under state law. You would, of course, also need to meet all of the other requirements for Social Security survivor benefits ( . . . Read More

Category: Survivor Benefits
Posted: Jun 8 2019 - 5:12pm

Will The Benefits I Receive On My Ex-Spouse's Record Be Reduced When I Decide To Retire?

I am divorced after 40 years of marriage, age 69, and began receiving social security benefits on my ex-husband's record at my age 66. Early in our marriage I worked in the private sector but barely earned my 40 quarters to be eligible for social security. I returned to teaching and no social security is withdrawn from my earnings. However, since I returned to teaching later in life, I elected to participate in a 401 A (defined contribution program) and not the annuity/pension program. When I decide to retire, will my social security benefit that I am receiving on my husband's . . . Read More

Category: Non-Covered Pension - WEP / GPO
Posted: Jun 7 2019 - 3:43pm

How Can I Find Out What Impact My Wife Filing At Age 62 Would Have On My Daughter's Benefits?

Hi Larry: My 28 year old disabled (from birth) daughter currently receives a Medicaid(?) payment of approximately $700/month plus food stamps of~ $140/month. My 62 year old wife is considering drawing social security now for health reasons.
How do I find out the impact of this action on my daughter's monthly income. AlLso, I was always the breadwinner and my potential Social Security benefit is substantially higher than my wife's. When I start drawing will social security my daughters benefit payment go up?

Hi,

I assume what your daughter . . . Read More

Category: Disabled Adult Child Benefits
Posted: Jun 7 2019 - 7:23am

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