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Can I Opt to Receive Half of My Spousal Social Security Benefits in the 82nd Term, While Letting the Remaining Portion Grow Until I Turn 70? Are There Any Exceptions for Special Circumstances such as Being Married or Widowed, or Utilizing File and Suspension for Survivor Spousal Benefit?


大家很关心如何最大化领取社安金。很多人在想，我可不可以先领取配偶的社安金，让自己的社安金一直增长到70岁，等自己的社安金增长到最高的时候，再换成自己的社安金。 这样可以吗？欢迎观看本期找答案！ 欢迎关注潘老师小课堂！ ********************* 欢迎大家订阅《潘老师小课堂》，理财退休生活有保障！ 想了解更详细的内容，或者有任何有关退休，年金，人寿保险，医疗保险，税务规划等等方面的，可以跟我们联系： 电话: 734-386-9145 email：panfinancialinc@gmail.com 微信：pan-financial-inc 公众号： ********************* 其他节目： 第81期： 没有40个积分有社安金养老金和免费的Medicare红蓝卡 Part A吗？不工作的单身、离婚、已婚配偶和丧偶的有什么不同，离异又复婚的怎么算？领取配偶社安金的一半到底有多少 第80期：您知道多大年龄可以领社安金，领多少？能提前领吗？夫妻或单身领取策略有什么不同？ 第11期：退休规划：如何优化配偶社安金政府养老金，怎么领取可以最优化，没有工作过，退休可以领社安金吗？最多可以领配偶的一半，Social Security Spousal Benefit 第 8 期: 美国养老退休金，我们能拿多少社安金吗？手把手教你计算，如何优化社安金领取，什么年龄拿社安金比较好呢？晚拿每年8%增长，Social Security Benefit, 拿社安金需要的条件 第79期：房产证上可以加孩子的名字吗？有什么潜在风险？如何避免巨额税和罚款，赠与税，遗产税 第78期：外国人在美国投资房地产，可能多交税喔，一定要注意的税务问题，遗产税，收入税，增值税，需要预扣多少？如何避免多交税？记得交税，否则预扣30%的收入税，卖房扣15%总额的税款 第77期：海外身份，绿卡公民在美国投资怎么收税，各自优缺点，遗产税都是1千2百多万吗？夫妻双方一人绿卡，一人外国人，怎么投资比较划算？外国人投资房地产、股票、公债，银行利息要交税吗？ 第76期：免税增长的Roth 拿钱的顺序，常见的问题，重要规则，实例分析，如何避免税和罚款Roth distribution examples 第75期：为什么要做Roth IRA Conversion，有收入限制吗？有什么规则，本金和利息的区别，59岁半之前和59岁半之后的差别。Roth 401k rollover情况是什么样的？实例分析 第74期：Roth IRA的5年规则的真相您知道吗？从哪天开始算5年？什么时候拿没有税和罚款呢？需要等五年吗？ 第73期：四重省税工具HSA怎么投资，可以带走并继承吗？IRA可以转成HSA， 第72期：永不交税、四重省税功能的工具您有吗？省双重税，三重税的是哪些？ 第71期：如何省税，W2员工与1099自雇主如何最优省税 第70期：申请Medicare的必要条件：必须要40个积分吗，为什么说40个积分很重要 第69期：是W-2省税还是1099省税？万万税的美国，FICA 和SECA是个什么税，可以避免吗？ 第3期: Roth IRA Backdoor & Conversion; 什么情况下IRA可以抵税；Conversion注意的税务问题; 第2期: 退休省税 Roth IRA: 为什么要Roth IRA? 能放多少? 什么时候领钱没有罚款? 第1期: 退休省税 Traditional IRA: IRA 什么情况下出现的? 可以省现在的税吗? 什么时候取钱没有罚款? 有RMD吗? 第 9 期: 退休或离职后公司退休金，401(k)/403 B 怎么投资怎么管理比较好？ 第68期：我怎么给孩子买房子，避免遗产税和赠与税，买自住房还是出租房，借给孩子钱还需要证据吗，要收利息不？自己的退休怎么办？ 第67期：紧急通知，超过65岁，没有合格医疗保险，符合申请红蓝卡但没申请的，请务必在3月31日前申请，否则会有更多的罚款！Cobra和奥巴马保险不能豁免 第66期，可以和孩子共同持有房产吗，能避免遗产税和赠与税吗？有哪些产权持有方式？各有什么优缺点，要注意哪些问题。和其他人共同投资买房呢？ 第64期 房地产如何留给孩子，生前赠予还是身后遗产？有美国绿卡或公民和没有美国身份有什么不同？赠予好还是遗产好？增值税遗产税怎么算？怎么做可以省税？gift vs estate 第63期：正在促销的两种年金对比，别买错了喔！全面完整的分析保证型和增长型终身收入指数年金 第62期：买年金前必须了解的一些问题， 哪种年金适合您？弄明白再买，别买错了喔！年金都可以拿一辈子吗？储蓄型年金，lifetime income 终身收入型年金，年金分类 固定 指数 浮动年金 第61期：有多少钱才可以财务自由？一个亿能自由吗？怎么规划才有足够的终身收入，就可以做到财务自由。哪些钱是源源不断的？社安金，年金，pension，Guaranteed Lifetime income 第60期：退休需要多少钱够用？200万够用吗？500万呢？如果要用到长期护理呢？每个月有源源不断的收入进到银行账户，那么退休是不是够用了？生活简单的，喜欢世界旅游的，生活方式不同，需要不同 第58期：年金可以像IRA一样抵税吗？年金拿出来要不要交税？年金是银行的投资理财产品还是保险公司的？现在有最大的年金promotion促销，退休计划可以省税，有的还可以做成年金，Annuity 退休规划第52期：谁有资格用白卡Medicaid支付长期护理费用，三个条件：医生证明，收入，资产要求。联邦医保红蓝卡只支付短期费用 (LTC) 退休规划第51期：谁来为长期护理买单，国会研究处统计：Medicaid白卡是长期护理支付的最大金主，其次是Medicare 红蓝卡，接下来是个人掏腰包，保险及其他，您是哪一个类别？ 第49期 医疗保险包治百病吗？得了大病重疾，慢性病，或者需要长期护理医疗保险能保多少？有什么备选方案？Medicare红蓝卡能保吗？ 第44期：全面综合了解 Medicare 老年医保红蓝卡，IEP，65岁前后三个月开始申请，SEP/GEP，Part ABCD都包括什么？Medigap 与MA的区别 第43期：奥巴马医疗保险3个重要问题：奥巴马保险Obama Care 是不是给穷人用的？已有疾病会不会被拒保？好医生会不会不接受奥巴马保险？ 第40期：老年补充医疗保险Medigap 和MA(C)哪个好？优点和缺点，逐项详细比较，量身选择。 第39期：退休年金 vs. Pension：定量数据比较年金与Pension，年金有终身收入，税务优化，资产传承，增长潜力等优势，抗风险抗通胀 第29期：退休规划之老年医保：满65岁，不够40个点，又不是低收入，怎么买Medicare比较好！ 第28期：65岁之前和之后保险有什么不一样？ 第27期：退休规划-RMD-退休金里面的钱可以一直不取吗？RMD是什么，不按时拿RMD会罚款50%，怎么计算RMD，什么时候必须拿RMD呢？ 第26期：如何申请更多的助学金，FAFSA和CSS填表有哪些注意事项！ 第25期：我们用到长期护理的概率有多大？ 第24期：什么是长期护理： ...(read more)


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Title: Claiming Half of the Spousal Social Security Benefit and Continuing Growth until Age 70: Is It Possible? Any Exceptional Cases? Introduction The Social Security system provides a range of benefits for married and surviving individuals, including spousal benefits. Among these benefits, there is a provision that allows individuals to claim half of their spouse's Social Security benefit and continue accumulating their own until they reach the age of 70. However, specific circumstances and actions, such as filing and suspension, may affect the eligibility for this benefit. This article explores whether it is possible to claim half of the spousal Social Security benefit and let one's own benefit continue to grow until the age of 70, as well as the exceptions to this rule. Understanding Spousal Benefits Spousal benefits are designed to provide financial support for spouses who did not qualify for benefits on their own work record but were married to someone who did. Under normal circumstances, an individual can claim a spousal benefit equal to half of their spouse's full retirement benefit. However, this claim comes with certain prerequisites and limitations. File and Suspension File and suspension is a strategy that allows individuals to file for Social Security benefits at their full retirement age without actually receiving the payments. By employing this tactic, individuals can trigger the option for their spouse to claim spousal benefits while their own benefit continues to grow at a rate of 8% per year until age 70, when it reaches its maximum value. This approach can help enhance the overall Social Security income for the couple. Exceptions to the Rule While it generally applies to most married individuals, there are a few exceptions to the ability to claim half of the spousal Social Security benefit and let one's own benefit continue to grow. These exceptions include: 1. Divorced Individuals: Divorced individuals may still be eligible for spousal benefits if certain conditions are met, such as being married for at least ten years, remaining unmarried, and not collecting benefits based on their own work record. 2. Deceased Spouse: Surviving spouses are entitled to claim survivor benefits, which are equivalent to the full retirement benefit of their deceased partner, as long as they have reached the full retirement age. This enables them to let their own benefit grow until age 70, just like in the case of spousal benefits. Conclusion For married individuals who have not claimed their Social Security benefits yet, utilizing the strategy of claiming half of the spousal Social Security benefit and allowing their own benefit to grow until the age of 70 can be financially beneficial. However, certain conditions and exceptions exist for divorcees and surviving spouses. It is crucial to consult with a Social Security advisor or visit the official Social Security Administration website for comprehensive information tailored to individual circumstances before making any decisions regarding Social Security benefits. https://inflationprotection.org/can-i-opt-to-receive-half-of-my-spousal-social-security-benefits-in-the-82nd-term-while-letting-the-remaining-portion-grow-until-i-turn-70-are-there-any-exceptions-for-special-circumstances-such-as/?feed_id=122676&_unique_id=64c738d044fbe #Inflation #Retirement #GoldIRA #Wealth #Investing #40credits #FullRetirementAge #healthinsurance #howtochoosemedicareplan #howtochooseplan #insurance #IRMMA #Medicare #MedicareAdvantage #MedicarePartA #medicaresupplement #Medigap #PartB #PartC #PartD #penealty #premium #socialsecurity #socialsecuritybenefit #SocialSecurityCredit #SupplementalPlan #Suspend #优化 #保险 #增长 #如何选择红蓝卡 #工作收入 #提前领取 #社安金 #红蓝卡 #药 #补充保险 #退休规划 #门诊 #BackdoorRothIRA #40credits #FullRetirementAge #healthinsurance #howtochoosemedicareplan #howtochooseplan #insurance #IRMMA #Medicare #MedicareAdvantage #MedicarePartA #medicaresupplement #Medigap #PartB #PartC #PartD #penealty #premium #socialsecurity #socialsecuritybenefit #SocialSecurityCredit #SupplementalPlan #Suspend #优化 #保险 #增长 #如何选择红蓝卡 #工作收入 #提前领取 #社安金 #红蓝卡 #药 #补充保险 #退休规划 #门诊
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