The Retirement and IRA Show Social Security, 60-Day Rollover, Inherited IRA, and Deferred Income Annuity: Q&A #2539
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Sep 27, 2025 Listeners dive into the complexities of Social Security, exploring how SSDI can transition to retirement benefits and the effects of family maximums on multiple child benefits. Key points include the intricacies of 60-day rollovers, RMD calculations for inherited IRAs, and strategies for using deferred income annuities to address future income needs. The hosts also discuss potential alternatives and flexibility in annuity structures, weighing current rates against future possibilities. It's a treasure trove of insights for navigating retirement finances!
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Suspend SSDI To Grow Survivor Benefit
- If SSDI converts to a retirement benefit at full retirement age you can suspend it to earn delayed retirement credits until 70.
- Consider survivor impact: suspend to boost a spouse's future survivor benefit even if your own break-even is unlikely.
Prioritize Current Needs Over Delays When Alone
- If you have a serious health issue and no spouse, prefer to keep Social Security on and use payments to enjoy life now.
- If you have a healthy spouse, weigh suspending to increase the survivor benefit even if you personally won't break even.
Family Maximum Caps Child Benefits
- Child and auxiliary benefits are limited by a family maximum and get split when combined payments exceed it.
- The $1,700 each in the example is reduced because the total would otherwise exceed that family maximum.