SITUATIONAL SOCIAL SECURITY BLOG

Social Security Benefits: Surviving Spouse - Deemed Filing

Thursday, September 9, 2021

Hey Marc! - I have a client that we are working with who has questions about her widow benefit. The husband passed away, and the wife is age 58 and is eligible to receive a widow's benefit at age 60. Her FRA is 67. I looked back on the NSSA training and found that deemed filing does NOT apply. Doesn't this mean, that the client can claim her own SS benefit and wait to take her widow benefit until her FRA so that it isn't reduced? Answer - You are correct that DEEMED FILING does not apply to
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Social Security Benefits: Delayed Retirement Credits

Wednesday, September 8, 2021

Hey Marc! - We have a client who called SSA. My primary question is how could the client be getting the exact same amount of Benefit if he files in November compared to filing at FRA this past July. To me it doesn’t make sense but she swears she called three times. Three SSA representatives, and they all said the same thing. Why isn't the benefit increasing for Delayed Retirement Credits. Answer - DRC’s are not added to a persons benefit until after the year they are earned. His
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Social Security Online Account - Second Factor Authentication

Tuesday, September 7, 2021

Hey Marc! - My client recently changed her e-mail address and cell phone number. How does she change the Second Factor Authentication in her online My Social Security account? Answer - Social Security recently issued instructions on changing the Second Factor Authentication. Second Factor Authentication serves as an extra level of security to prevent prying eyes from viewing sensitive information. Step by step instructions to change this feature can be found at SSA.gov.
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Hey Marc!

Hey Marc! represents Social Security questions and answers. We receive questions from advisors and the public on many Social Security topics. Hey Marc! also includes PROBING QUESTIONS advisors need ask to uncover additional Social Security benefits. Subscribe to Hey Marc! for $99 per year. Questions will be delivered to your mailbox each week day.