When it comes to Social Security, there are a variety of claiming strategies
and for the average person, it can be complicated. If you’re on
Social Security Disability, have a public pension, or are a state employee,
it’s even more complicated.
For savvy Americans, the debate comes down to whether it would be more
advantageous to claim early or wait until they turn 70. If you’re
married, a widow or widower, you have an array of claiming strategies
to choose from.
If you or your spouse is thinking about claiming Social Security Disability
benefits or has a public pension, it’s important to talk to a Dallas
Social Security Disability attorney from our firm since you’ll need
to plan ahead.
For the layperson, navigating Social Security benefits with a public pension
can get muddy, and if it’s not handled correctly, valuable time
can be wasted trying to straighten it out. Of course, the best strategies
come down to the individual’s situation and circumstances.
Should you get Social Security early?
Married couples have several strategies to consider, especially if one
of them is on disability. If the healthy spouse is already receiving Social
Security retirement benefits, it could make more sense for the disabled
spouse to receive a spousal benefit in lieu of disability if they are
at least 62.
that will depend on the disabled spouse’s work record and their age,
among other details. The healthy or disabled spouse also has the option
to “file and suspend” at full retirement age, which maximizes
the survivor benefit if that spouse dies first.
Once a disabled person reaches full retirement age, their Social Security
Disability benefit converts to Social Security retirement benefits. While
the amount doesn’t change, the label does.
Social Security Disability benefits are reduced due to public disability payments or because of workers’
compensation benefits, the total benefits received may actually increase
once the disabled individual reaches full retirement age.
To discuss your claiming strategies, contact
The Zendeh Del Law Firm.