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Can I suspend my Social Security?
Old 08-03-2021, 08:00 AM   #1
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Can I suspend my Social Security?

I'm 64 and started taking SS at 62. Can I suspend my payments for a few years? I think I've read in a past post you could suspend payments but have to repay what you've already received? Not sure I'd want to do that but it's possible.
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Old 08-03-2021, 08:19 AM   #2
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According to this article from AARP: https://www.aarp.org/retirement/soci...k-to-work.html, you have to pay back everything - bummer.
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Old 08-03-2021, 08:22 AM   #3
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You would have to repay and you could "suspend" years ago, but not anymore if you're 64 and starting taking SS at 62.
Quote:
Timing is key. Social Security will let you withdraw your original application for retirement benefits only once, and it must be within 12 months of the date you first claimed your benefits.
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Old 08-03-2021, 08:23 AM   #4
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Originally Posted by garyt View Post
I'm 64 and started taking SS at 62. Can I suspend my payments for a few years? I think I've read in a past post you could suspend payments but have to repay what you've already received? Not sure I'd want to do that but it's possible.
No. had to be done within the first 12 months of receiving benefits.
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Can I suspend my Social Security?
Old 08-03-2021, 08:24 AM   #5
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Can I suspend my Social Security?

Social Security gives you a grace timeline when you first sign up.
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Old 08-03-2021, 09:23 AM   #6
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When you reach full retirement age you can suspend payments. However, you can no longer pay back payments. Suspending at FRA and then waiting until 70 to refile will allow DRCs to accrue.

https://www.ssa.gov/benefits/retirem...r/suspend.html
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Old 08-03-2021, 11:22 AM   #7
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Originally Posted by MissMolly View Post
When you reach full retirement age you can suspend payments. However, you can no longer pay back payments. Suspending at FRA and then waiting until 70 to refile will allow DRCs to accrue.

https://www.ssa.gov/benefits/retirem...r/suspend.html
This is the correct answer. Some misinformation in the thread.
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Old 08-03-2021, 02:24 PM   #8
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Originally Posted by teej1985 View Post
This is the correct answer. Some misinformation in the thread.

What exactly is misinformation? Just in case somebody reading here wants to know. the article Spanky clicked to is up to date..


if somebody shows a link and the readers don't click on and read it, that's on them.
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Old 08-03-2021, 03:01 PM   #9
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Thanks for the replies, very helpful. I'll just keep getting the payments.
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Old 08-03-2021, 03:19 PM   #10
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Originally Posted by ivinsfan View Post
What exactly is misinformation? Just in case somebody reading here wants to know. the article Spanky clicked to is up to date..


if somebody shows a link and the readers don't click on and read it, that's on them.
The article Spanky linked is about withdrawing the application. The OP asked about suspending the application. They are two different things. You can indeed suspend at full retirement age unlike several of the responses. My link was to the actual SS website. Can't get any more official then that.
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Old 08-03-2021, 03:27 PM   #11
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Originally Posted by MissMolly View Post
The article Spanky linked is about withdrawing the application. The OP asked about suspending the application. They are two different things. You can indeed suspend at full retirement age unlike several of the responses. My link was to the actual SS website. Can't get any more official then that.
Right it's complicated the op did askabout suspending and ask if they had to payback money back .....I think the confusion started in the original post. Thanks to your answer the difference is now clear
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Old 08-03-2021, 11:21 PM   #12
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Originally Posted by MissMolly View Post
The article Spanky linked is about withdrawing the application. The OP asked about suspending the application. They are two different things. You can indeed suspend at full retirement age unlike several of the responses. My link was to the actual SS website. Can't get any more official then that.
That articles also addresses suspending:
"If you’ve been getting retirement benefits for more than a year, the window for withdrawal has closed. However, once you reach full retirement age (currently 66 and 2 months and gradually rising to 67), there’s a second option: You can request a suspension of benefits."

OP has to wait two more years.
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