Frequently Asked Questions
If I’ve already started claiming benefits, can I change my mind?
Yes, but with strict limitations. You have one “do-over” in your lifetime. Within 12 months of first claiming, you can withdraw your application. However, you must repay all the benefits you and your family have received. This can reset the clock, allowing you to re-apply later for a larger benefit.
How do I find out my Full Retirement Age (FRA)?
Your FRA depends on the year you were born. For those born between 1943 and 1954, it’s 66. For those born in 1960 or later, it’s 67. For birth years in between, it increases by a few months each year. The SSA website has a simple chart to find your exact FRA.
How do I know if my Social Security benefits will be taxed?
It depends on your “combined income.” To figure this out, take your Adjusted Gross Income (AGI) from your tax return, add any non-taxable interest you have, and then add half of your annual Social Security benefit. If that total is above $25,000 for an individual or $32,000 for a married couple, a portion of your benefits may be taxable.
Can I really claim benefits on my ex-spouse’s record?
Yes, under specific conditions. You must have been married for at least 10 years, you must be unmarried at the time you claim, and you must be at least 62 years old. Your ex-spouse must also be eligible for benefits. The great part is that your claim does not affect your ex-spouse’s benefit amount or their current spouse’s benefits in any way.
This article reports on recent health news. You can often find the original studies or press releases at sources like the NIH Newsroom or on medical journals. For policy updates, refer to Medicare.gov or HHS.gov.
Disclaimer: This article is for informational purposes only and does not constitute medical advice. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.
