This is going to be a column about a special procedure that the Social Security Administration routinely uses that is intended to help people by protecting their rights to possible benefits. It's called a 'protective filing date.' In a nutshell,…
benefits. It's called a"protective filing date." In a nutshell, if you contact the SSA and tell them you intend to file for some kind of Social Security benefit, and give them your name and Social Security number, it establishes a record that could possibly be used as a starting date for any Social Security application you might file later on. However, that protective date is usually good for only six months.
People are also reading… A: I've got a hunch your wife misunderstood what the SSA rep was telling her. Or possibly he just didn't do a very good job of explaining the situation. Q: I've been reading your column for years, and I've read your Social Security book. So, I think I'm a pretty good Social Security expert. I've got a friend who is 64 years old, and she recently started her retirement benefits. She told me she got a check for retroactive benefits. But I knew from reading your column and book that retroactive benefits can only be paid to people who have reached their full retirement age or older.
And even though she got that back pay check, it technically was not a retroactive payment. In other words, on Social Security's books, it's as if she actually filed her claim on that past protective date. But it sounds like you don't want to do that. You said you want your benefits to begin either when you reach your full retirement age, or at age 70. I can understand why that letter confused you. But again, it really was just protecting your rights to those past benefits. But you don't want them, so just ignore that letter you got.
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