I hate writing columns that are critical of some of my former colleagues who are still working for the Social Security Administration. But doggone it, if they are going to keep handing out bad advice, someone’s got to take them…
keep handing out bad advice, someone’s got to take them to task — and give the right answers to people who are seeking help about their Social Security situation. Here are some recent emails I’ve received from my readers.
Q: I was planning to wait until age 70 — in July — to file for my Social Security. I was doing this in part to guarantee that my wife will get the highest widow’s benefit possible after I die. I was talking to an SSA representative about this and imagine my surprise when he told me my wife’s widow’s benefit will be based on my full retirement age benefit rate. This threw a big monkey wrench into my planning.
Q: I called the Social Security Administration twice, talking to two different representatives, and I got two different answers. Here is the story. I am 69 years old and I filed for my Social Security benefits in January. But after doing so, it dawned on me that I won’t be filing my tax return for 2022 until early April. I wanted those 2022 earnings to be added into my Social Security benefit, so I called the SSA back.
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