IRMAA, SSA-44, and Social Security Spousal/Survivor Benefits: Q&A #2345

November 11, 2023

IRMAA, SSA-44, and Social Security Spousal/Survivor Benefits: Q&A #2345

Chris sits down on a solo show to discuss listeners questions relating to IRMAA, SSA-44, and Social Security spousal/survivor benefits.

(3:30) A Californian listener asks about the timing of when IRMAA will start relative to applying for Medicare.

(10:11) A listener from Indiana looks for clarification on the need for an SSA-44 form for a client who was recently let go from employment.

(20:30) George in Virginia asks about taking a spousal Social Security benefit with children under 16 regarding the reduced amount.

(26:00) A listener in Minnesota wonders if a person who is at or above full retirement age can suspend their own Social Security benefit to claim a survivor benefit instead.

(32:00) A Colorado listener asks if she has to pay back spousal benefits she collected previously following a divorce.

(37:00) Chris provides some input on the changes for Social Security in 2024.

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Jim Saulnier and Associates | 970-530-0556 | 506 East Mulberry Street, Fort Collins, Colorado 80524

Ed Slott Advisor recognition requires an advisor to be well versed on the rules and regulations regarding IRAs. The advisor must attend two live training sessions and pass two written exams annually to remain in the program. Jim Saulnier & Associates, LLC (“RIA Firm”) is a registered investment adviser located in Fort Collins, CO. Jim Saulnier & Associates, LLC may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Current registered states: CA, CO, PA, TX, WA, IL Insurance products and services are offered and sold through James H. Saulnier, a Colorado licensed insurance producer, only in those states in which he is reciprocally licensed or qualifies for an exemption or exclusion from licensing requirements. Current reciprocal insurance licensing in these states: AZ, CA, CA, CN, FL, HI, IA, MA, MD, NY, PA, SC, TN, TX, VA, WA, WI, WY Click here for a more detailed disclosure.