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Old 07-10-2018, 07:16 AM   #21
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Join Date: Jun 2013
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Originally Posted by Tadpole View Post
It just occurred to me that, by choosing a restricted application with spousal, I have delayed starting the full Medicare increase. So, hold harmless has been based on COLA increases on my small spousal benefit instead of the larger benefit. Had I taken my own benefit at full retirement I probably would have already been paying the full part B increase. As it is, I am still paying $10 less than full premium. I wonder if they will claw back the difference when I switch to my age 70 benefit or just leave the past as is and start over with part B premium amounts.

I have been on spousal for 3.5 years and am currently paying $9 less than the current premium. I switch to my own record this November which is more than triple my current spousal and assume that I will immediately pay the additional $9 per month plus whatever increase is in store for us in January.

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