Your browser does not support JavaScript


Situational Social Security – Restricted Application
Tuesday, October 13, 2020

We emphasize SITUATIONAL SOCIAL SECURITY in the NSSA® Certificate program, as all of your clients are UNIQUE. Your clients may be single, married with wide age differences, married with narrow age differences, divorced, surviving spouses, eligible to file a Restricted Application, public employees, etc. Advisors, (YOU), must understand the issues and questions that related to every unique client. You are your clients' trusted advisor and must understand Social Security. Advisors attending the National Social Security Advisor Certificate program change their mindset and become PROACTIVE. NSSA® Advisors do not wait for clients to bring up the topic Social Security. NSSA® Advisors are confident in their knowledge, and actually BEGIN THE DISCUSSION. Which type of advisor are you? Hesitant to discuss SS? Confident in your understanding of SS? Proactive?

In this installment of Situational Social Security, we will discuss a very powerful SS option, the Restricted Application. The majority of advisors are clueless about the Restricted Application, but this is a very powerful Social Security strategy.

RESTRICTED APPLICATION - This strategy allows your client to file for a spousal benefit while their own benefit earns Delayed Retirement Credits. What? WOW! Impossible! Say what? Yep, your client can file for a spousal benefit while earning DRCs on their own retirement benefits. Let's say that my FRA is 66 and that I am eligible for $2,000 of SS benefits at my FRA. Additionally, I am also eligible for a spousal benefit of $1,000 at my FRA as my wife worked and is eligible for her own retirement benefits. At my Full Retirement Age, I can file a Restricted Application and receive a spousal benefit off of her work record. I will receive $1,000 benefits for 48 months, ($48,000), and then at age 70 will turn on my benefits. At age 70, my benefits will have increased 32% due to DRCs, resulting in a monthly benefit of $2,640. WOW! WHAT? Kind of like having your cake and eating it too. I receive $48,000 in spousal benefits and earn Delayed Retirement Credits of 32%. This strategy, (Restricted Application), is only available upon reaching Full Retirement Age. A very powerful strategy. Unfortunately, only clients born by January 1, 1954 are able to use this strategy. SO, if you are meeting with a client that was born by January 1, 1954, you must consider a Restricted Application in your client's Social Security options. Just think what your clients can purchase with $48,000 - 9,000 cups of coffee at Starbucks!!!!! Or a brand new car!!!!!

But the next question you should be asking is does the other spouse have to be receiving a Social Security benefit for a Restricted Application to be beneficial? YES, YES, YES and YES. I cannot file a Restricted Application if my wife is not receiving a SS RETIREMENT or DISABILITY benefit. I will repeat, my wife must be receiving a SS RETIREMENT or DISABILITY benefit, otherwise I am not able to file for a spousal benefit off of her work record. So, my wife turns on her Social Security allowing me to file a Restricted Application and receive a spousal benefit.

A very common strategy for married couples is for a wife to take her own benefits as early as age 62. This may allow the husband to delay to FRA or as late as age 70. And if the husband was born by January 1, 1954, he can file a RESTRICTED APPLICAITON for spousal benefits while he waits to begin his own benefits. In this scenario, widow benefits are maximized as the husband waits to age 70. Thus, sometimes it makes sense for folks to begin benefits prior to reaching FRA.

About half our our clients can still file a Restricted Application as they were born by January 1, 1954. The benefits of a Restricted Application will disappear in 2024. The RESTRICTED APPLICATION must be in your Social Security toolbox. If you are meeting with clients and discussing their Social Security options please ask this easy question - what is your birthdate? If born my what date? Oh yea, January 1, 1954, you MUST include the RESTRICATED APPLICATION in the discussion.


For additional information about the National Social Security Advisor Certificate program, please visit or contact Marc Kiner at 513.218.8505 or by email at

Subscribe To Our Blog

Blog Categories

  • General
    • 10/13/2020 - Situational Social Security –
    • 10/05/2020 - Social Security Retirement Ben
    • 10/03/2020 - Situational Social Security (S
    • 07/22/2020 - The Shrinking Social Security
    • 07/14/2020 - Advisor Virtual Resilience Ser
    • 06/22/2020 - NSSA, the nation's only accred
    • 06/10/2020 - National Social Security Advis
    • 04/22/2020 - National Social Security Advis
    • 10/23/2019 - Premier Social Security Consul
    • 09/11/2019 - Jim Blair helps to shed light
    • 07/15/2019 - Premier Social Security Consul
    • 09/20/2018 - NAIFA Conference Highlights th
    • 10/14/2016 - Baby Boomer Market
    • 11/28/2015 - Social Strategies
    • 11/28/2015 - Budget Bill Changes
    • 11/25/2015 - New Social Security Claiming S
    • 08/26/2015 - Expert Discussion with NSSA An
    • 08/26/2015 - NSSA Exhibits Missouri Society
    • 08/26/2015 - Financially Stable Retirement
Get news from Premier Social Security Consulting in your inbox. SIGN UP FOR UPDATES


I am enjoying the course and love the conversation between you guys on the videos, especially the trials and tribulations of party animal "Harold."
Chris K, Connecticut
Thank you and Jim for the incredible work and effort put into these webinars, videos etc, let alone this program. Really a blessing to have been directed to you. Karl W was absolutely right: you guys are class acts.
Alan K
Thanks again for the great training. I started using the information I learned with my clients immediately. It has really added to my credibility!
Rich M, Texas
Social Security is complex program where the choice you make can mean thousands of dollars of extra earnings in retirement. Knowing these choices is important to my clients and NSSA [Certificate program] has increased my ability to guide them in the right direction.
James B
NSSA has directly increased my credibility, my business, and overall client experience and satisfaction.
Kimberly Y, Ohio
This course has been very helpful to clients already, thanks again, Sam
Sam D, Connecticut
I am very pleased that I came to the education . .  What I learned is what I came for and to know that the video will be available for backup is great.
Bob Z
Over the last 12 months since earning the NSSA Certificate I have brought in 40 additional clients and $400,000 in additional revenues.
David S, Washington State
Thanks again for the training you provided it has been invaluable for my practice.
Stacey A, TN
Thanks for providing such valuable information and updates on a periodic basis. It really helps with conversations that I have with my clients.  Excellent support.
Rayyan A
I hope all is well my friend. We filled up another 100 people last month and taught them all about social security, this is truly something special we have created to help out thousands of San Diegans and counting.
Brad W, California
You guys rock!  I am thoroughly enjoying your SS online course!
David T, Florida
Just want to say it's really great having you two to lean on when I'm uncertain.  You've trained me well but sometimes question myself.  Thanks for doing what you do!
Barbara S, Colorado
Thanks for the SS training last week! Learned a lot and looking forward to further focus on this important part of the financial planning matrix!
Leslie C, Kentucky
I attended your class and passed the NSSA assessment 2 1/2 years ago. The NSSA Certificate been a career boost and my clientele is reflecting that.
Kimberly H, Ohio
Thanks guys, it is VERY much appreciated to have you take time out of your day to answer a complicated question from time to time that comes across our desks.
Bradley W, California
You guys helped close a big case with that answer really appreciate it. Thank you for the great work you both do.
Patrick C, California
It was so nice talking with you yesterday.  I was super impressed how quickly you called me!
Susan C, Florida
I really appreciate your examples, they make it come alive more so than articles describing strategies.
I finished the on demand class today . .  I really enjoyed the class and I learned a lot. 
Adam H, Illinois
I thought the information was outstanding!  I was anxious to get started and improve my foundation of knowledge surrounding social security as it has become a significant portion of our planning.
David G, Florida
I appreciate that you are always there to support me. It means a lot! 
Danielle A, Kansas



Follow us on Facebook
Follow us on Twitter
Follow us on LinkedIn
NSSA Discussions


Premier Social Security Consulting, LLC
7361 East Kemper Road Unit B
Cincinnati, Ohio 45249

513-218-8505 (Cell)
ICE 1100 Accredited Certificate Program
Situational Social Security Checklist
Gain access to questions that help you understand your client’s situation for only $50.