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Calculating expected SS benefits if already collecting spousal benefits

Posted: Mon Sep 30, 2019 8:22 pm
by protagonist
I'm 67. At 66 (my FRA) I started collecting spousal benefits from a divorced wife (50% of hers).
My plan is that at 70 I will switch and start taking my own benefits.
I used to receive annual mailings estimating what those benefits would be.
However, since I started receiving spousal benefits the mailings appear to have ceased. In addition when I log into "my social security" I cannot find that information (just what my current spousal benefit is), and their online calculator no longer seems to work for me.
Is there no simple online tool or site where I can continue to receive that information (what my monthly benefit will be when I choose to start taking it at age 70)? And if there is, where can I find that info?

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Mon Sep 30, 2019 8:31 pm
by One Ping
protagonist wrote:
Mon Sep 30, 2019 8:22 pm
I'm 67. At 66 (my FRA) I started collecting spousal benefits from a divorced wife (50% of hers).
My plan is that at 70 I will switch and start taking my own benefits.
I used to receive annual mailings estimating what those benefits would be.
However, since I started receiving spousal benefits the mailings appear to have ceased.
The same thing happened to me. This is apparently their policy, once you start receiving benefits, you don't get your report mailed (or even available online) anymore.
protagonist wrote:
Mon Sep 30, 2019 8:22 pm
In addition when I log into "my social security" I cannot find that information (just what my current spousal benefit is), and their online calculator no longer seems to work for me.
Is there no simple online tool or site where I can continue to receive that information (what my monthly benefit will be when I choose to start taking it at age 70)? And if there is, where can I find that info?
I know of no way to find out online what your current PIA is in this situation. What I did was call them. Once I explained what I wanted and that I couldn't seem to get it, the agent asked me for some id verification info and he was able to pull it up on his side fairly quickly.

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Mon Sep 30, 2019 8:50 pm
by FoolMeOnce
You can download the SSA's Detailed Calculator. It is awkward to use and you need to manually input your earnings data. It will give you your PIA. Then you can calculate delayed retirement credits to get your number at your planned age.

https://www.ssa.gov/oact/anypia/anypia.html

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Mon Sep 30, 2019 10:03 pm
by protagonist
Thanks.
That said, I am not sure I have saved any of my previous earnings data reports.
Perhaps the easiest route would be just to wait until I turn 70 (laughing). Unfortunately I have less than 3 years to wait and I expect they will pass quickly.

I am surprised that such simple info is not available online.

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Tue Oct 01, 2019 6:42 am
by FoolMeOnce
protagonist wrote:
Mon Sep 30, 2019 10:03 pm
Thanks.
That said, I am not sure I have saved any of my previous earnings data reports.
Perhaps the easiest route would be just to wait until I turn 70 (laughing). Unfortunately I have less than 3 years to wait and I expect they will pass quickly.

I am surprised that such simple info is not available online.
You can still find your earnings report when you login to the SSA website. It just won't give you a projection for your benefit and the calculator based on your earnings will not work.

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Wed Oct 02, 2019 10:51 am
by protagonist
FoolMeOnce wrote:
Tue Oct 01, 2019 6:42 am
protagonist wrote:
Mon Sep 30, 2019 10:03 pm
Thanks.
That said, I am not sure I have saved any of my previous earnings data reports.
Perhaps the easiest route would be just to wait until I turn 70 (laughing). Unfortunately I have less than 3 years to wait and I expect they will pass quickly.

I am surprised that such simple info is not available online.
You can still find your earnings report when you login to the SSA website. It just won't give you a projection for your benefit and the calculator based on your earnings will not work.
Thanks. I have a vague idea as to my entitled benefits from old mailings....I can prob. just save time and wait another 2 3/4 years. And if I get really curious I suppose I can just look at an old mailed report (if I can find one) and correct the numbers by multiplying by the change in CPI since then, which might be simpler than the above.
I'm not looking forward to turning 70, so I figure why push the river? Let it flow by itself.....

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Wed Oct 02, 2019 10:59 am
by oldfatguy
protagonist wrote:
Wed Oct 02, 2019 10:51 am

I'm not looking forward to turning 70 ...
It's probably better than the alternative. :!:

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Wed Oct 02, 2019 11:05 am
by protagonist
oldfatguy wrote:
Wed Oct 02, 2019 10:59 am
protagonist wrote:
Wed Oct 02, 2019 10:51 am

I'm not looking forward to turning 70 ...
It's probably better than the alternative. :!:
good point. Thanks for the encouragement.
My all time favorite quote about aging (I have heard it attributed, rightly or wrongly, to David Bowie):
"Aging is an extraordinary process in which you become the person you always should have been."
I identify with that.

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Wed Oct 02, 2019 11:10 am
by VictoriaF
protagonist wrote:
Wed Oct 02, 2019 11:05 am
oldfatguy wrote:
Wed Oct 02, 2019 10:59 am
protagonist wrote:
Wed Oct 02, 2019 10:51 am

I'm not looking forward to turning 70 ...
It's probably better than the alternative. :!:
good point. Thanks for the encouragement.
Protagonist,

A while ago, in this Forum, you invited me to your 100th birthday. Please make sure to live up to your promise {pun intended},

Victoria

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Wed Oct 02, 2019 11:16 am
by protagonist
VictoriaF wrote:
Wed Oct 02, 2019 11:10 am
protagonist wrote:
Wed Oct 02, 2019 11:05 am
oldfatguy wrote:
Wed Oct 02, 2019 10:59 am
protagonist wrote:
Wed Oct 02, 2019 10:51 am

I'm not looking forward to turning 70 ...
It's probably better than the alternative. :!:
good point. Thanks for the encouragement.
Protagonist,

A while ago, in this Forum, you invited me to your 100th birthday. Please make sure to live up to your promise {pun intended},

Victoria
No, I invited you to a party the day before your death calculator told me I was going to die. April 16, 2049. Since I knew I would die that day I was planning to not file my 2048 income tax return the day before, and I was going to take the money I saved to celebrate with friends.
You are still invited. I haven't yet, however, sent out the invitations.

I am honored and flattered that you want to celebrate my 100th, but sadly, you will have to do it without me.

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Wed Oct 02, 2019 11:21 am
by One Ping
Protagonist,

BH member neurosphere has a downloadable spreadsheet that does a good job estimating your benefits given your SS earnings history. Here is the BH thread on his 2019 update: Downloadable Social Security Benefit Estimator (2019 Update). If you are fluent in Excel, I've found it to be straighforward to use and it does provide (in my experience) very accurate answers. In my case it agrees to within less than a dollar with what SSA says is my PIA.

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Wed Oct 02, 2019 11:43 am
by montanagirl
I used anypia for years for the same situation. You have to enter your yearly numbers from myssa.gov but once you do you can run lots of scenarios.

I calculated my SS down to a gnat's eyebrow before filing for my own at 69.5.

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Wed Oct 02, 2019 11:43 am
by montanagirl
Delete

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Wed Oct 02, 2019 12:06 pm
by TBillT
I used ANYPIA also and I felt it was very very good tool.
Without that, I found it hard to understand Social Security's annual PIA statement, which does not really explain what cost of living COLA factors have been used. This time of year, when there are COLA changes announced, and you are wondering what has been included in the PIA calculation? ANYPIA was very clear about that that allowed me to know the true result.

Then I used OpenSocialSecurity.com which is another great tool.

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Wed Oct 02, 2019 1:51 pm
by protagonist
Thanks, everybody!

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Thu Oct 03, 2019 12:13 pm
by VictoriaF
protagonist wrote:
Wed Oct 02, 2019 11:16 am
VictoriaF wrote:
Wed Oct 02, 2019 11:10 am
protagonist wrote:
Wed Oct 02, 2019 11:05 am
oldfatguy wrote:
Wed Oct 02, 2019 10:59 am
protagonist wrote:
Wed Oct 02, 2019 10:51 am

I'm not looking forward to turning 70 ...
It's probably better than the alternative. :!:
good point. Thanks for the encouragement.
Protagonist,

A while ago, in this Forum, you invited me to your 100th birthday. Please make sure to live up to your promise {pun intended},

Victoria
No, I invited you to a party the day before your death calculator told me I was going to die. April 16, 2049. Since I knew I would die that day I was planning to not file my 2048 income tax return the day before, and I was going to take the money I saved to celebrate with friends.
You are still invited. I haven't yet, however, sent out the invitations.

I am honored and flattered that you want to celebrate my 100th, but sadly, you will have to do it without me.
If you change your mind, I expect an invitation for your 100th.

Victoria

Re: Calculating expected SS benefits if already collecting spousal benefits

Posted: Thu Oct 03, 2019 2:05 pm
by protagonist
VictoriaF wrote:
Thu Oct 03, 2019 12:13 pm
protagonist wrote:
Wed Oct 02, 2019 11:16 am
VictoriaF wrote:
Wed Oct 02, 2019 11:10 am
protagonist wrote:
Wed Oct 02, 2019 11:05 am
oldfatguy wrote:
Wed Oct 02, 2019 10:59 am


It's probably better than the alternative. :!:
good point. Thanks for the encouragement.
Protagonist,

A while ago, in this Forum, you invited me to your 100th birthday. Please make sure to live up to your promise {pun intended},

Victoria
No, I invited you to a party the day before your death calculator told me I was going to die. April 16, 2049. Since I knew I would die that day I was planning to not file my 2048 income tax return the day before, and I was going to take the money I saved to celebrate with friends.
You are still invited. I haven't yet, however, sent out the invitations.

I am honored and flattered that you want to celebrate my 100th, but sadly, you will have to do it without me.
If you change your mind, I expect an invitation for your 100th.

Victoria
If your death calculator is accurate, I will have been dead for over 3 years. So I should send you your invitation early.