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Social Security Advisor


DISCLAIMER - THIS WEBSITE IS NOT ENDORSED BY OR AFFILIATED WITH THE U.S. SOCIAL SECURITY ADMINISTRATION , OR ANY GOVERNMENTAL ENTITY.

Social Security AnswersCarol Thomas has recently retired from the Social Security Administration after 28 years service. If you have any questions about Social Security, please ask. We will use the questions you send for future posts. I will never post anyone's name, or other identifiable information.

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Social Security Form 521
Date Add : 01-25-2009 

Views : 2654

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I am 77 yrs. old and started soc. at 63 yrs. Would like to apply for the for the additional benefit. Will my present benefit and medicare stop while my application is being processed. I have a very limited income and would have trouble meeting my obligations in the mean time.


Support Replied ~ 01-24-2009 19:54:46

Dear Robert:
If you withdraw your application, you must pay back all the benefits you have received from SS and the medicare premiums that were deducted from those payments. Can you afford to do this? It may take you a long time to come out ahead. As far as the medicare, that should continue as long as you are paying the premiums.....Carol



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• I am 63 years old. I am working for a company that pays residual income, which I would continue to draw after retirement. The amount would be from $10,000 to $16,000 per month. My question is would those residuals be passive or active income from the SS point of view. I want to know if it makes sense to wait intil I'm 66 or draw as soon as I retire.
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DISCLAIMER - You should consult with your local Social Security Office before acting upon any information received as a response to your question on "Social Security Advisor".

"Social Security Advisor" is intended to provide accurate and authoritative information with regard to the subject matter covered. It is offered with the understanding that neither the publisher nor the author is engaged in rendering legal, accounting, investment or other professional advice or services.

Information obtained from RetirementCommunity.com, including e-mail responses from "Social Security Advisor" should be considered as general educational information. You must never rely upon the advice given here. Your individual situation may not fit the generalizations discussed. Only your local Social Security office can evaluate your individual situation and give you advice.


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Due to overwhelming demand there is now a fee of $10 per email.
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User Feedback:
Thank you for your help in getting this problem resolved. I don't know if the District Mgr you talked to was involved in the resolution, but you were able to let me know I was within the regulations. That kept me from caving and doing something I didn't want to do.
Mary - 1/16/10


Thank you so much for your help. It has been a godsend. The information you gave me was priceless. Keep up the good work.
Michael - 9/23/09 


You are a wonderful person, Carol. And many will benifit from your site. You make it all seem so simple. Thank you again, and may God bless you.
Lee G - 8/19/09 


Thank you very much
Sharon H - 7/25/09 


Thank You...I think what your doing to help is wonderful.. Thank you again and God Bless
Danny H - 7/10/09 


Carol, thank you so very much for this info. I have really searched many sources without a straight answer such as yours is. This is an invaluable service you do and I appreciate it so much! The speed with which you answered shows true human concern. Keep up the good work, and best of luck!
Linda H - 6/17/09


Thank you for your rapid response to my social security question...we need running for goverment office perhaps even state represenitive; you certainly would have my vote!!!!! Again Thank You !
Roberta H - 6/12/09 


Thank you Carol for your wonderful service. I think it is a great way to get advice!
Terry B - 6/04/09 


What a maarvelous service you provide. I have shared you website with people at work.
Patti - 5/28/09


What a maarvelous service you provide. I have shared you website with people at work.
Patti - 5/28/09


Carol was genuinely concerned and it showed....Carol is a real gem!!
D. Wiley Bowers - 4/19/09
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Thank you so much, you cannot believe how helpful this information is to me it will help me when I talk to the SS agent. Read More


Thank you so very much for your reply!
Some of this is confusing...and it seems when you ask someone at S.S. you get a different answer than the next person.
I appreciate your answer.
Mrs. Gibson - 10/24/08
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