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Tucson Social Security Disability Blog

Be Wary When Applying For Retirement

Posted by John Kuhnlein | Sep 08, 2015 | 0 Comments

I trust that anyone who has followed the subject knows how important it is to wait until age 70 to collect your Social Security retirement benefits. The reason for waiting is that SSA will increase your month benefits by 8% for each year you wait past full retirement age. This extra money is yours for every check you get until the day you die.  In an age when you are lucky to get 1% return on cash, 8% guaranteed is extraordinary. But now comes word that some people who are properly waiting until age 70 are not getting the full benefit of their bargain. The trouble arises when claimants nearing age 70 tell SSA they plan to retire at that age. At this point, the SSA worker processing the claim starts the retirement right away, before age 70. This is bad enough, but SSA also goes back six months prior and gives the claimant a retro-active payment. This has the result of changing the claimant's retirement age to roughly 69.5 years old.  This means a loss of half of the delayed retirement credit for the age 69 year.  This might not amount to much each month, but this locks in a lower amount for the rest of the retiree's life.  
So, what to do? When you put in for your benefits at age 70, tell SSA you do not want any retroactive checks. If you do not, SSA is going to give them to you automatically. Based on my experience, you have to tell SSA workers something about 10 times before they ever take note. Don't assume just mentioning that you do not want any retroactive benefits will achieve the results you want.  Put it in writing and then make sure SSA does not send you those six months of back payments.  If they do send it anyway, return it to them and insist they get your retirement wishes right. If you did the prudent thing and waited until 70 to collect retirement benefits, don't let SSA trip you up at the goal line.

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About the Author

John Kuhnlein

Since 1992, I have been helping the people of Southern Arizona get the benefits they are due. Before devoting all my efforts to assisting people with Social Security disability claims, I also handled such complex lawsuits as medical malpractice and products liability. I brought to my Social Security cases all the skills and attention to detail that I developed in the courtroom. I approach each Social Security disability case as if it were a million-dollar lawsuit. For the people trying to get Social Security benefits, their claim is every bit as important. Because I have personally handled so many Social Security cases, I have refined the skills I need to win your case for you. I have helped people win cases for every kind of ailment from arthritis to valley fever. At present, I am focused on helping those persons with neurological and orthopedic disorders. Because claims for people over age fifty bring additional complications, I particularly seek out those cases to work on. I regularly write about back and spine conditions on my blog. I actively seek out the latest information about orthopedic and neurological disorders to ensure I can represent my clients as effectively as possible. Because of my current focus, I regret that I am not able to take any cases for mental disorders. If you are over age fifty and suffer from any orthopedic or neurological disorder, please contact me at once.


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John Kuhnlein has been assisting people with Social Security disability claims for the past 25+ years.

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