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Is it ever beneficial to suspend Social Security benefits?

Strategizing when to take retirement benefits from Social Security can be difficult when a Minnesota resident is deciding whether to delay payments and receive a higher monthly benefit later, or to take payments now and receive a lower monthly benefit. Interestingly, there currently exists an option for those who have already agreed to start taking their payments to actually suspend their payments and benefit from higher monthly payments once they are reinstated at a later time.

Indeed, unbeknownst to many Americans, the Social Security Administration created a provision that gives retirement benefit recipients the right to suspend benefits after they have already started. However, individuals considering this strategy should note several pieces of information about this option. Most importantly, keep in mind that suspending benefits will not be possible after May 2016 due to recent changes to law. Therefore, time is quickly running out and those who wish to suspend benefits need to act now.

In addition, this option is only available to people who have reached full retirement age and are not over the age of 70. Also, keep in mind that after suspending benefits, one more payment will probably be received since Social Security payments are paid on the month after they are due. Also, benefits will automatically restart once a recipient reaches the age of 70.

Minneapolis residents rely on Social Security benefits to pay for their retirement, disabilities and more. Nevertheless, it is a very difficult and complicated system to navigate. In order to be sure that you and your family are receiving the maximum benefits possible, it may be wise to consult with a Social Security benefits attorney in order to determine the best strategy to get the full amount of benefits you deserve.

Source: Motley Fool, "How to Suspend Your Social Security Benefits," Brian Feroldi, March 14, 2016

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In Minnesota, we handle Social Security Disability Insurance (SSDI) claims. Throughout the nation, we handle SSDI applications and appeals for people from Ohio to Kansas, North Dakota to Texas and everywhere in between.


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Coon Rapids, MN 55448

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