Hi Larry, My husband passed away unexpectedly in April 2022. He was at FRA but was still working and we were not collecting any SS benefit. I turn 65 in December of this year. SS told me I cannot collect my own retirement benefit then switch to the survivor benefit at age 66 and 6 months. They said my only option is to collect reduced survivor benefits now.

Hi,
Q 1) I retired at 62 (DOB:12/8/1959.) On April 2022. Do I apply for Social security at the age of 65?

Q 2) Is there a back pay for the 3 years I'm on retirement once i hit 65?

My husband wants to retire next year near his 68th birthday. He wonders if he should start taking SS this December to get the COLA. I read a post on your site with same question that states you get the COLA even if you don't start til next year. My question is- )we want to know for planning purposes) - how do we calculate his monthly benefit? And do we have to apply to receive the COLAs from his age 62-68 or do they automatically calculate and adjust? Is there a form you can direct us to? I can't find such a form when I look at the SSA website.
Appreciate your help.

I’m one year past full retirement age, divorced from a marriage that was longer than ten years. I want to file next year for benefits. Although I was the higher earner during the marriage, I made less money than my spouse BEFORE we were married. Since SSA uses 35 years of earnings to calculate the payment amount, can I file using her earnings for the years when she made more than me?

I turned 69 in August and want to apply for benefits soon. I want to be sure to get the 8% delayed credit as well as the 2023 COLA. When should I apply so that I get those 2 adjustments in my first check. For instance, if I apply in November, when would my first check come and would it be *5 higher than current estimate plus roughly 8% more for COLA (or whatever it is). Or do I have to wait until January to apply? Also how can I know exactly what the amount will be? Thanks, Larry.

My mother is the higher-earning spouse since my father has been a stay home dad for most of my life. She will die soon at the age of 58. My father will turn 65 in the spring. Is he eligible for spousal benefits and if so how?

If a person is expecting to lose SSDI check (after TWP and grace period ) because of wages, can he or she choose to take early retirement benefits temporarily, but later switch back to disability benefits if earnings are reduced (below SGA) before person reaches Full Retirement Age?

Hello and Thank You
My wife is on disability , I do all the cooking, cleaning , bathing and still work full time . I am 64 yrs young, is there anything with SS that I could apply for. I feel I need to work to pay the Dr bills, but are there thing I could apply for to help our situation ?
Thank You
Dennis

My husband is 66 and currently collecting his SS, I will be 62 in a few months. If I collect my SS will it be off of my work recorded or will they make be collect off his, and how will the benefits changes once he passes and I am still alive?

Hi Larry,
My husband began collecting SS at FRA ( Born in 1953). He is currently 69. I am 65 and decided I will wait to begin receiving my SS benefit until Age 70. Am I eligible for a spousal benefit amount when I reach FRA at 66 1/2? If so is it 50% until I begin receiving my own SS at age 70? Thanks!