Strategies for Couples in Choosing How to Receive
Social Security Explored in SSA Q&A
Also, how long does it take to get a replacement
Social Security card?
14, 2013 - There are various strategies on how you receive your Social
Security benefits. How to delay your benefits and receive them as a
spouse is one of the answers in this weeks Q&A by Oscar Garcia,
Informational Specialist with the Social Security Administration. And,
he has an easy but important answers about how fast you can replace your
How long does it take to receive a replacement
Social Security card? I need it because I am applying for a job, and my
employer needs to see the card.
After we receive your application and verify your
documents, you should receive your replacement Social Security card by
mail within 10 business days.
If you do not receive the replacement card in this
time frame, please contact your local Social Security office for
follow-up instructions. To verify if a replacement card has been issued,
you can call us at 1-800-772-1213 (TTY 1-800-325-0778) between 7 a.m. to
7 p.m., Monday through Friday, or you can contact your local Social
When you request the replacement card at our
office, you can ask for a receipt showing your name and Social Security
number. You can present the receipt to your employer to see if they will
accept it until you can present them with the actual replacement card.
My wife and I are both full retirement age and
neither of us has applied for Social Security benefits. I have heard
about a way to delay my Social Security retirement and receive benefits
as a spouse. What is this all about?
This is possible. If you are full retirement age,
spouse begins receiving Social Security benefits, you can choose to file and receive
benefits on just your spouse's Social Security record and
delay filing for benefits on your own record up until age 70.
By filing for just benefits as a spouse, you may
receive a higher retirement benefit on your own record later based on
the effect of delayed retirement credits. You can earn delayed
retirement credits up to age 70 as long as you do not collect your own
This strategy allows a person to receive benefits
as a spouse while allowing their own benefit to reach its maximum
Here is another option, since you are both at
full retirement age,
one of you can apply for retirement benefits now and have the payments
suspended, while the other applies only for spouse's
benefits on the record of the spouse who has suspended their benefit.
This means only one of you is
receiving a monthly benefit, but it allows both of you to delay
receiving retirement benefits on your own records so you can earn
delayed retirement credits. You can then both apply at age 70 to receive
your respective full benefit amounts plus the delayed retirement
Oscar Garcia is a Public Affairs Specialist with
the Social Security Administration. You can direct your questions to him
at: SSA, 411 Richland Hills Drive, San Antonio, Texas, 78245. You can
also email him at Oscar.email@example.com.
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