HelpMySocialSecurity

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HelpMySocialSecurity: Retirement Planning | Help with my Social Security | United States

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Message History

IRMAA Brackets and QLACs12 days ago

A reader wonders whether their lower 2024 income will automatically reduce their 2026 IRMAA surcharge (even though it doesn’t qualify for an SSA-44) or whether they must contact the Social Security Administration. “My 2024 income decreased, not for any of the reasons listed on the SSA-44 form. I simply didn’t do Roth conversions in 2024. Will the Social Security Administrati...

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Coordinating Spousal Benefits38 days ago

A reader from Texas asks when his spouse can file for her spousal Social Security benefit after he submitted his own application. “I will turn 70 in March 2026, so I applied online in November 2025 for my Social Security retirement benefit to start next March. I want to maximize my delayed retirement credits and benefit from the 24% growth on the principal that funds my future...

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Delayed Retirement Credits56 days ago

A reader from Pennsylvania asks about how delayed retirement credits are calculated based on specific months, and what to consider when not claiming exactly at one's Full Retirement Age (FRA) or at age 70. "My friend, who is married filing jointly, hits his FRA in March 2026, at 66 years 10 months. He was going to claim at FRA, but now wants to delay to stay around AGI $150K for...

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