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Tom Margenau | Social Security and You: What you need to learn about protecting submitting dates | Existence

That is going to be a column a couple of particular process that the Social Security Administration routinely makes use…

By Staff , in Social Security , at April 6, 2022

That is going to be a column a couple of particular process that the Social Security Administration routinely makes use of that’s meant to assist individuals by defending their rights to potential advantages.

It’s known as a “protecting submitting date.” In a nutshell, should you contact the SSA and inform them you propose to file for some sort of Social Security profit, and provides them your title and Social Security quantity, it establishes a report that might presumably be used as a beginning date for any Social Security software you may file afterward. Nevertheless, that protecting date is often good for less than six months.

The easiest way to clarify this process in additional element is by answering some questions I acquired from readers about this subject.

Q: My spouse just lately signed up for Social Security. She needed her advantages to begin in June, when she shall be 65 years outdated. However then the Social Security rep acquired her all confused as a result of he stated their data confirmed that my spouse known as them again in January. And he stated as a result of she did that, she has to begin her advantages in January at a lesser fee that what she would have been due had she been allowed to begin her advantages in June as she needed. She acquired so confused that she simply hung up and ended the decision. Now we don’t know what to do. Are you able to assist us?

A: I’ve acquired a hunch your spouse misunderstood what the SSA rep was telling her. Or presumably he simply didn’t do an excellent job of explaining the state of affairs.

When your spouse known as the Social Security individuals again in January, they established a “protecting submitting date” of January for her. And that merely signifies that if sooner or later throughout the subsequent six months she determined to truly file for advantages, she may begin these advantages in January if she needed to. It didn’t imply that she should begin these advantages in January.

So, in case your spouse desires her advantages to begin in June at age 65, she will have them begin in June. It’s simply that she may determine to have them begin in January if she needed to. If she did that, she’d get about 3 % much less per thirty days in ongoing advantages, however alternatively, she would get an enormous again pay verify.

Q: I’ve been studying your column for years, and I’ve learn your Social Security guide. So, I feel I’m a fairly good Social Security knowledgeable. I’ve acquired a pal who’s 64 years outdated, and he or she just lately began her retirement advantages. She informed me she acquired a verify for retroactive advantages. However I knew from studying your column and guide that retroactive advantages can solely be paid to individuals who have reached their full retirement age or older.

So, I informed her this couldn’t be, since she was solely 64 years outdated. However she confirmed me her financial institution assertion, and certain sufficient, there was a Social Security deposit for about $8,000 in again pay advantages. So how did that occur?

A: All of it has to do with this protecting submitting date enterprise. You might be proper that usually you’ll be able to solely get retroactive advantages if you’re previous your full retirement age. Or to place that one other manner, the regulation says that no retroactive advantages will be made if it entails the cost of lowered retirement advantages.

I’ll guess my subsequent Social Security verify that this pal of yours contacted the SSA quite a few months earlier than she lastly determined to file for advantages. And when she did really signal on the dotted line, they used that protected date as her submitting date.

In order that’s why she acquired the again pay verify.

And regardless that she acquired that again pay verify, it technically was not a retroactive cost. In different phrases, on Social Security’s books, it’s as if she really filed her declare on that previous protecting date.

Q: I’ll attain my full retirement age in two months. I’m nonetheless undecided if I need to file for my Social Security to begin then or wait till I’m 70.

I just lately acquired a letter from the Social Security individuals telling me that if I don’t file for advantages by the tip of this month, I’ll lose any retroactive advantages I may be due.

I known as the SSA instantly and a rep informed me one thing a couple of “protected date” as a result of I known as them final November asking some questions. Now I’m all confused. What’s this all about?

A: Once you known as them in November, that arrange a “protecting submitting date” of November. And since these dates are good for six months, the letter you bought was merely informing you that you’ve one other month to determine if you wish to use November as a potential beginning month to your advantages.

But it surely sounds such as you don’t need to do this. You stated you need your advantages to start both whenever you attain your full retirement age, or at age 70.

I can perceive why that letter confused you. However once more, it actually was simply defending your rights to these previous advantages. However you don’t need them, so simply ignore that letter you bought.

Q: I just lately began my Social Security at my full retirement age. I’ve a neighbor who’s about the identical age, and he did the identical factor. However he acquired a retroactive profit verify.

He stated it was as a result of he first known as Social Security about 4 months in the past they usually used that date as his beginning month. I additionally known as Social Security about three months in the past with some normal questions, however I didn’t get any again pay. How come?

A: I actually am undecided. However right here is an informed guess. I’ll guess when your neighbor known as, he expressed extra of an curiosity in submitting for advantages, and as a part of that course of gave the SSA rep his title and Social Security quantity. And that set this entire protecting submitting date course of in movement. Then again, whenever you known as, I’ve a hunch you simply requested some questions and by no means expressed an curiosity in submitting for advantages. So, you by no means gave them your title and SSN and no report was manufactured from the decision and no protecting submitting date was established.

When you have a Social Security query, Tom Margenau has a guide with all of the solutions. It’s known as “Social Security: Easy and Good.” Yow will discover the guide at Or search for it on Amazon or different guide retailers.

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