+

Young Marr remains dedicated to our clients during this COVID-19 quarantine. We understand that legal needs of our clients must go on during this time. In order to minimize disruption as much as possible, we are offering free consultations via phone and/or video and can have our clients submit documents virtually.

Spousal Benefits of ‘Free’ Social Security

Jeffery B. Miller, with a doctorate in economics from University of Pennsylvania, is the founder of Social Security Choices, a firm that helps people in claiming their social security benefits by providing them with customized information. Miller has written about his friend’s experiences with so-called ‘free’ social security benefits.

His 67-year old friend, who is still working, has not claimed his social security benefits. His wife, who is 62 and retired, has been claiming her benefits and Miller has suggested his friend to look into his wife’s social security record for claiming further benefits.

When he visited the local Social Security office, he was quite surprised to find out that he would start getting a monthly spousal benefit and a check for $5000. He had not considered this option of claiming benefits before and he also discovered that the check he was to get was for spousal benefits that he would have gotten for last half year till the time of his claim. Not only is the size of his spousal benefits surprising (more than half the amount of his wife’s retirement check), but also the fact that he would have been eligible for even more benefits if he would have pursued this option at the age of 66.

The logic behind this amazing piece of information, according to Miller, can be explained by simple math. If the full benefit of the wife at retirement was $2000 and she was taking it at 62 instead, she would receive only 75 percent of it that is, $1500. Her husband, on the other hand, is eligible to half of his wife’s full retirement benefit because he is past his retirement. So he gets $1000 and together, the couple gets $2500 every month. An even better piece of information, revealed by Miller, was that this claim does not eliminate or even diminish the husband’s eligibility for his own retirement. In fact, until he gets to the age of 70, his retirement benefits increase by eight percent every year. Social Security is actually providing growing benefits as well as subsidy which is why this whole thing is known as ‘free’ spousal benefits.

A different situation came up when somebody who was divorced wanted such benefits. Nevertheless, because this lady was also in her sixties and had been married for ten years, she was eligible for ‘free’ spousal benefits based on her previous husband’s records as well as for her own retirement benefits. Social Security normally uses phrases like ‘restricted application’ to imply such strategies but even though ‘free’ isn’t normally used, it is a better expression to describe the situation.

The challenge for most such couples is to find ways to claim these benefits based on individual cases. For example, married couples can use 625 different methods of claiming benefits and Miller’s firm often has to run a computer program with information of a specific case before deciding upon the best option. In short, Miller advises to pay attention to the claiming decision and process of Social Security because the different can be of thousands of dollars.

ALL CASES ARE OVERSEEN BY FORMER SOCIAL SECURITY LEGAL REPRESENTATIVES

Before coming to Young, Marr & Associates, our SSD attorneys worked for the SSA which gives us an advantage over attorneys who have never dealt directly with the internal SSA system. We know the process is difficult – your job is to get better, and our job is to make sure you get the disability you deserve.

Chances are you are preoccupied dealing with a painful illness. You are concerned about your financial future, about how you will get by without a steady source of income.

Read what our clients have to say about us.

DISABILITY LAW

“I have already recommended Paul Young numerous times. He was honest, explained endlessly in terms that were understandable. Paul Young guided me through the process from beginning consultation to the end of case. Highly satisfied and grateful for his expertise.”

–Leslie

Read more

  • SPEAK TO AN ATTORNEY FOR FREE

  • This field is for validation purposes and should be left unchanged.

Awards & Recognitions

Best Pennsylvania Law Firm Near Me
Best New Jersey Law Firm Near Me
Best Philadelphia and Bucks County Lawyers
Pennsylvania and New Jersey Bankruptcy Lawyer
Pennsylvania and New Jersey Criminal Defense Lawyer
Pennsylvania and New Jersey Disability SSDI Lawyer
Bucks County Criminal Defense Attorney
Best Pennsylvania Law Firm Near Me
Pennsylvania and NJ Lawyers Near Me
Pennsylvania and NJ Attorneys Near Me
Pennsylvania and NJ Lawyer Near Me
Pennsylvania and NJ Attorney Near Me

12 Convenient Office Locations

map-pinPennsylvania Offices map-pinNew Jersey Offices
map-pin

Quakertown

328 W Broad St
Quakertown, PA 18951
Tel: (215) 515-6876
Get Directions
map-pin

Philadelphia

7909 Bustleton Ave, First Floor
Philadelphia, PA 19152
Tel: (215) 607-2715
Get Directions
map-pin

Bensalem

3554 Hulmeville Rd, #102
Bensalem, PA 19020
Tel: (215) 515-6389
Get Directions
map-pin

Marlton

10000 Lincoln Drive E, Suite 201
Marlton, NJ 08053
Tel: (856) 213-2805
Get Directions
map-pin

Bala Cynwyd

2 Bala Plaza, Suite 300
Bala Cynwyd, PA 19004
Tel: (610) 557-3209
Get Directions
map-pin

Jenkintown

101 Greenwood Ave
Jenkintown, PA 19046
Tel: (215) 544-3347
Get Directions
map-pin

Mt. Holly

27 Cedar St
Mt. Holly, NJ 08060
Tel: (609) 796-4344
Get Directions
map-pin

Piscataway

200 Centennial Ave, Suite 200
Piscataway, NJ 08854
Tel: (908) 367-7256
Get Directions
map-pin

Allentown

137 N 5th St, Suite A
Allentown, PA 18102
Tel: (215) 240-4082
Get Directions
map-pin

Easton

101 Larry Holmes Dr, #212
Easton, PA 18042
Tel: (215) 515-7077
Get Directions
map-pin

Hamilton Twp.

3525 Quakerbridge Rd, #903
Hamilton Township, NJ 08619
Tel: (609) 236-8649
Get Directions