Anil Vazirani shares what to ask when claiming your social security benefits. The Deemed filing rule is important to maximize your benefit.
Per Tom R. Hager’s article in Forbes, “The deemed filing rule affects your spouse, provided your spouse files for benefits for the first time before their full retirement age and you are receiving benefits. If your spouse files for their retirement benefit before full retirement age, they will be “deemed” to have filed for any and all benefits available to them. So, if spousal benefits are available, your spouse will receive spousal benefits in addition to their retirement benefit – whether they want them or not.
Not only will your spouse receive both benefits, but they both will be reduced permanently as a result of filing early. This decision can never be changed. The deemed filing rules apply to worker benefits, spousal benefits and ex-spousal benefits; however, they do not apply to survivor, children, child-in-care and disabled children benefits.”
Read more: https://www.forbes.com/sites/tomhager/2018/05/21/understanding-deemed-filing-rules-and-the-restricted-application/#31d3da045ba1
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