Full question: I want my SS benefit to start in January of 2024. I contacted SSA and they scheduled phone appointment for September of 2023. I need my benefit amount to be calculated as of January (any day) of 2024. Should I keep the appointment, will the September application date impact the amount? Hi there,…

Hi there, Go to www.ssa.gov and on the main page click on “online services” then select “apply for retirement benefits.” Since you are currently collecting benefits on your spouse’s record, you should be able to start a new application for retirement benefits under your own Social Security number. You may also use the SSA online…

Hi there, Social Security applications can take several weeks to be reviewed. You should then have received a letter describing the amount of your benefit and the date benefits will be paid. Contact your local SSA office for an update. You can find your local office here. Best of luck, Martha

Full question: Currently, I am collecting survivor benefits (wife deceased). I am 69 and I want to switch to my own Social Security benefits as it is much higher. What is the form name/number that I must complete? What information/documentation will I need to provide? (I have spent time looking for this information on the…

Full question: I have active survivor benefits, will be turning 70 in March 2023 and would like to transition to retirement benefits, preferably online, need details on process. Hi there, The process of switching from a survivor benefit to your own retirement benefit can be completed in two ways, online or with the help from…

Full question: I am 67 & 2 months. My expected earned benefit will increase by about 8% if I wait until Jan 2023 to claim my benefit. Will my benefit also be increased by the expected 8% + COL ? In other words, would I receive both increases? Hi there, Yes! After Full Retirement Age,…