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Your Social Security Questions Answered

Read answers to reader-submitted Social Security questions from Martha Shedden, NARSSA’s Co-Founder and Chief Learning Officer, and her team of experts. Submit your own question to Martha here.

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Can I cancel my Social Security application?

Full question: I had retired in May 2025, received my 1st check in July, but I realized I would like to try to work 1 more year. What do I do and is there a penalty? Hi there, To cancel a Social Security application, you must submit Form SSA-521, Request for Withdrawal of Application, generally within…

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How do RSSAs receive compensation?

Hi there, Registered Social Security Analysts receive compensation according to their particular business model. Many RSSAs do not charge for a software claiming analysis and consider it a “value add” to their other services. Other RSSAs may charge a fee based on the complexity of the client case. These fees can range from $400 to…

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When can we claim child-in-care benefits?

Full question: We have a 27 year old son who is a brain cancer survivor since age four and on SSI since age 18. I’m 63 and not on Social Security until age 67, she is 56, can claim child in care benefits now? Hi there, Your spouse can claim child-in-care benefits before age 62…

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Can I switch from direct deposit to paper check?

Hello, Federal law requires electronic SSA payments for benefits, and as of September 30, 2025, phased out paper checks entirely, requiring direct deposit or the Direct Express® debit card. Paper checks are only allowed in very limited, exceptional cases, such as for individuals with specific disabilities or those living in remote areas. Take care, Martha

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How do I set up direct deposit for my Social Security check?

Full question: Who do I give my bank routing number to? How can I get my Social Security check drafted to my Bank of America account? You have three options to set up direct deposit at your bank: 1.    Online: Log into your account at ssa.gov/myaccount, navigate to “Benefit & Payment Details,” and select the option…

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I think I made a mistake collecting Social Security. Can I cancel or appeal my decision?

Full question: Hi Martha I turn 70 in January 2025 and called to apply for 70 to maximize benefits. The Rep pressured me about accepting retro to April 2025. I said no and then changed application from 70 to retro 69 and 3 mo to get lump sum which I did not need now. I…

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