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Financial Planning / Tax Strategies


Subject:  Re: Claiming Social Security Date:  7/16/2001  8:50 PM
Author:  mldorsey1 Number:  52594 of 123001

From the SSA web-site

Can I receive reduced retirement benefits at age 62 under my record then at full retirement age receive full spouse's benefits?

The following information explains two provisions when an individual is entitled to their own retirement benefit and is entitled to additional benefits as a spouse.

1. An individual is filing for both their own retirement benefit and benefits on their spouse's record concurrently.

One of the provisions of the Social Security Act provides that whenever an individual files for reduced retirement or spouse's benefits, that individual is "deemed" to have filed for the other benefit as well. Essentially, this means that if an individual is eligible for both retirement and spouse's benefits in the initial month of entitlement, then he/she must legally be entitled to both benefits. An individual cannot restrict an application in order to avoid the deemed filing provisions of the law.

2. An individual is filing for the