The MMSS tool consistently maximizes my benefits by recommending filing for my survivors benefit first and then switching to my retirement benefit at age 70. This is true over numerous what if scenarios with my age at the time of filing from anywhere between 61 and 64. Yet even with modest income projections, my retirement benefit surpasses my deceased wife's PIA at around age 62. This would appear to conflict with the last statement of the following excerpt from the "What's Under The Hood" document on the MMSS website:
Larry I sent you wrong info about my current boyfriend I had told you his wife died from cancer after 34 years of marriage he was born June 26 1950 .. He was not yet 62 when she passed.. He drew from his wife's benefits a few months as she had passed until he hit 62 a few months later.. and then he drew from his own which was higher.. Is he still eligible for anything of his wife's benefits as I think social security probably screwed him up.. He only drew something from her passing just a few short months before converting to his own benefits at age 62 .. He is now 67..
Hi Larry. I was praying all day monday 9/18 you or colleagues would answer my question. I keep looking but so far it hasn't been answered. I’m worried i made a terrible mistake.
I didnt realize you could switch from taking my own reduced benefits after 62, then take maximum widow benefits at 66. I didn't understand about the switch. i thought you could take one or the other. So i feel sick basically. Because i didn't start taking my benefits.
Here is the letter i sent you monday.
I will be turning 62 in November 2017, my first marriage of 16 years I stayed home with the kids and did not work. I remarried. My husband is 54. Please tell me what I should do. I figure my husband will work till he's 70.
My ex husband died from rare lung disease at 64, already collecting SS. I collected survivor benefits on his SSI AT 62. I never looked to see what my options where just made a phone call to SS and was told what I would get on his, mine being a lot lower. I am now going to be 67 in Oct. is there anything I can do to receive more money.
I'm sorry for your loss.
I will be 66 in two months and have not yet applied for Social Security benefits. My wife will turn 66 three months after me, but she began collecting Social Security benefits as age 63. I plan to restricted application process to file for spousal benefits only when I turn 66 and thereby allow my own benefits to increase until I reach age 70. My question is this: when I file my restricted application, is my wife eligible to change her filing to receive spousal benefits on my work record, or is she locked into her early benefit election?
My husband passed away last year and i began recieving widows benifits, I chose to collected on my 1st husbands benefits as it was more money, I just turned 62 this month and i want know how to maximize my social security income, An I also allowde to recieve my Social security benefits ? I did worked for more than 30 years. If so how can i get both? I would alsolike to know if I qualify for Medicare now?
I'm sorry for your loss.
I turned 64 in Aug and have seriously considered early retirement and filing for SS in January due to inability to work FT any longer. I do not qualify for disability. I was married the first time for 28 years and my ex's reported income was less than mine, due to his self employment status where he hid half of his income. He will be 66 in October, has not started drawing SS and is remarried. I remarried at age 56 but divorced at age 58. My second husband was a high wage earner.
I will turn 62 on September 21,2017.
Husband is 67 and took his social security at age 64.
My question is :
1) Since I wil make an estimated $50 k this year, which is about $40k higher than some of my earlier years of
working...could this increase the amount I might get at 62 ?
2)Should I wait til January of 2018 to file ?
3) Could I claim a spousal benefit and delay mine in order to get full benefits at 62 ?