I used the Open Social Security calculator and Maximize my Social Security to determine when to take my survivor benefit after my husband’s death. They both agreed that I should file for survivor benefits immediately even though I haven’t reached my FRA for survivors. This is due to RIB LIM (I think) which occurs because we both filed for our own retirement benefit before FRA. I have double checked the figures, especially the PIA figures, and I believe they are correct.
But the SS rep taking my application did not agree. She said my survivor benefit would be much lower until I reach my survivor FRA in 16 months. The figures she gave me don’t even agree with the chart published by Social Security, which details how a survivor’s benefit may be reduced based on year of birth.
I want to take my survivors benefit now if it is at the maximum amount. If it is not, I want to wait 16 months until it will be at the maximum amount.
I didn’t trust with this agent was saying so I didn’t file and have another appointment in two weeks. They are very reluctant to let me talk to somebody with more technical knowledge. Has anyone had luck getting someone from Social Security to actually explain their benefit and how it relates to published charts? Anyone have any advice on how I can actually know what the true benefit is?
But the SS rep taking my application did not agree. She said my survivor benefit would be much lower until I reach my survivor FRA in 16 months. The figures she gave me don’t even agree with the chart published by Social Security, which details how a survivor’s benefit may be reduced based on year of birth.
I want to take my survivors benefit now if it is at the maximum amount. If it is not, I want to wait 16 months until it will be at the maximum amount.
I didn’t trust with this agent was saying so I didn’t file and have another appointment in two weeks. They are very reluctant to let me talk to somebody with more technical knowledge. Has anyone had luck getting someone from Social Security to actually explain their benefit and how it relates to published charts? Anyone have any advice on how I can actually know what the true benefit is?
Statistics: Posted by SusanJ — Fri Sep 13, 2024 11:11 am — Replies 2 — Views 205