My sister, age 62 in September 2020, started claiming SS in late 2020 and went back and forth on what the amount was and how much she can work to not have the benefits taxed; finally got it straight in February 2021. Does she have an option to request stopping or delaying her SS, up to a year from her initial claim? Thank you for your time. I would appreciate a reply to my email.

Hi. Your sister couldn't choose to voluntarily suspend her benefits anytime prior to the month in which she reaches full retirement age (FRA). However, she would be allowed to withdraw the application she filed anytime up to 12 months after the first month she originally claimed her benefits (https://www.ssa.gov/benefits/retirement/planner/withdrawal.html). However, she would need to return any benefits she's collected before her withdrawal request could be approved. And, she couldn't then reclaim benefits starting any earlier than the month in which she reapplies for benefits.

Our software (https://maximizemysocialsecurity.com/purchase) is fully programmed to handle Social Security earnings test considerations, so it sounds like your sister should strongly consider using the software to fully analyze her options so that she can determine the best way to maximize her benefits.

Best, Jerry