Social security and you: Loss of service and counseling at SSA | Business news
Social security and you: Loss of service and counseling at SSA |  Business news

Social security and you: Loss of service and counseling at SSA | Business news

And here’s another example of bad advice. In a recent column, I explained to people who reach full retirement age sometime later in 2022 that it may be to their advantage to apply for these benefits in January. The reasons why they might want to do so are just too complicated to explain in today’s column. If you really want to know, look through old issues of your newspaper or go to my syndicator’s website, www.creators.com, and look for the column. It ran a few weeks ago.

Anyway, last week I heard from a guy who had the perfect scenario to make use of this “file in January” tactic. He reached full retirement age in May, but his earnings were such that an application date in January made sense. He would get slightly less ongoing benefits (by starting them 4 months before his full retirement age), but he would get 4 extra social security checks he would not get if he waited until May to file an application.

He called SSA’s 800 number and told them he would apply for his benefits now (in January). And the agent told him he could not do that. He was told he would have to wait until May to apply for benefits. That was when he asked me for help. I asked him to call back and if he got the same bad information, to ask to speak to a supervisor or manager. He reported to me this week that he called back and he got the same bony advice. So he asked for a supervisor. This person got on the phone, said he was actually entitled to benefits, and took his claim.

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