My husband will be 62 six months after me. Should I wait and when he files, I can collect on his spousal benefits? It would be around $50 more a month. Also, if I do, can I file on my social security at 67?

Hi. People born after January 1 1954 aren't allowed to apply just for spousal benefits without also being required to apply for their own benefits. So, you couldn't file just for spousal benefits while waiting until later to claim your own benefits.

I have read your books and questions here, but SSA has me totally confused.. My employed husband passed in 2015 at age 63. I was 59 and worked in his office, after which I ceased working. Married for 32 years, with 7 children. Not remarried. Neither of us collected SS benefits. My PIA is 1410 and widow PIA is 2541.
#1 Went to a SSA office 2017 to apply for the death benefit and get options. No qualifying children, must be 62, file on my record, then my husband's at FRA.

My fra is in October 2023. Should I start collecting social security this December to collect the cola increase in January?

Hi. You don't need to start drawing your benefits early in order to get next year's cost of living (COLA) increase. All Social Security cost of living (COLA) increases that occur after a person turns age 62 are added to a their Social Security retirement benefit rate regardless of whether or not they are collecting benefits when the COLA increase occurs.

How to maximize my social security benefits

I am 64. My spouse is dead. My SS FRA is 67. Can I collect SS widower’s benefits on my husband’s record now (a reduced amount due to me being under 67), and switch to my own record when I get to my FRA and get my full benefit?

I was born in October 18, 1955 and my wife was born in August 20 of 1952 and she has been working very hard and raising our family while I worked full time and she worked Part-time. I am believe I ready to retire this year and my company offers me a pension of about $ 6500-7000 a month. what is the best strategy i should employ to claim my social security benefits and hw does that impact my health benefits part-B and D or should I delay my SS to a later date? Sincerely grateful for your expert opinion.
Best Regards;
M

I am 67 and 3 months, my husband turns 70 in July 2022. We are waiting until July for him to file. I've started my own online application for benefits on my account, which apparently I should have done previously but did not because I knew that my spousal benefit on his account is going to be higher than my own benefit amount even if I waited until age 70 myself. The application requires information about one's spouse, does my filing my own application now (March 2022) somehow automatically trigger an application from my husband for spousal benefits on my account?

Hi, Mr.Kotlikoff, l have 67 and my ex husband is from July 1952, around 70, he makes more money than me, should I star to apply to social security for my retirement or from my ex husband as divorced, l was married for 10 years. Thanks for your advice.

I was born December, 1958 can I take my social security early say 64-65 and if so can my husband who is six months younger than I collect on spousal benefits at half of my full retirement benefit?

Then, he would wait to collect his social security at full retirement age or later yet, by 70.

I wait for your reply.

Thank you
Diane

I am a 60 year old widow. I work full-time earning +/- 100k per year. I am working with my financial planner right now in preparation to retire within the next 2 months.
Question, if I take SS widow benefits now (at age 60) how will I gain access to his full and/or my full benefits and at what age. Also, will the SS widow benefits be deducted from my full retirement benefits?

Thank you,