Ask Larry

Filing Options

Can I Draw From My Husband's Social Security At Age 65 And Later File For My Own Benefits At Age 70?

I am 60 years old. I have been married for 16 years with a separation for 2 years. He is 61. We have not yet gotten divorced. I want to retire at 65. Can I draw from his social security benefits at 65 and later switch to my own at full retirement age of 70?

Saturday, January 15, 2022 - 11:01

Can I Collect Disability Benefits In Addition To My Social Security Retirement Benefits?

I am 76, work full time and receive SSI RETIREMENT. Can I also collect disability due to recovery period for knee surgery??

Hi. No. Social Security disability (SSDI) benefits can't be paid after a person reaches full retirement age (FRA), nor can anyone be paid both SSDI and Social Security retirement benefits for the same month(s).

Friday, January 14, 2022 - 09:54

Am I Wrong?

Hi Larry, I’m currently 63. Ever since I filed for spousal child-in-care benefits I’m no longer able to get future estimated benefits for myself from the SSA website. Whenever I check my online account for my future amount, it states instead that I’m already receiving benefits. My understanding was that unlike with regular spousal benefits, a child-in-care benefit does not prevent my own benefits from continuing to increase until age 70. Am I wrong?

Sunday, January 9, 2022 - 16:49

Should We File For Benefits?

MY spouse is now receiving SSDI benefits of 2887 month, we have an adult disabled child who collects ssdi benefits on his own record earning 1134 a month ( unable to engage in sga) who lives with us and whom I care for. I have never been employed. MFB is around 4330 a month. SSA suggested he apply on fathers record since he would be paid the higher amount, but when I apply as parent caring for disabled child benefits the disabled child already getting benefits on their own record would be reduced if MFB is split with me. Should we file for benefits for parents record?

Monday, January 3, 2022 - 10:27

Can My Husband Apply For Retirement Benefits First And For Disability Benefits Later?

Hi Larry, I am preparing to apply for social security benefits for my husband. He has some health challenges, is not working any longer, and currently undergoing some health testing. It is my understanding that he could apply for retirement and disability benefits. Do this need to be done simultaneously? Or can we apply for his retirement benefits to get that started and then apply for the disability benefits in a couple of months once all of the testing is completed? It's somewhat confusing as to how that works. Any information or guidance you can share would be appreciated.

Wednesday, December 22, 2021 - 18:05

Which Month Should I Claim My Benefits To Get Maximum Delayed Benefits?

Hi Larry,
read your article on delayed benefits but Im still uncertain.
From reading I understand I can fill for my maximum delayed benefits in Jan 2022 as I will turn 70 on Feb 3, 2022.
But, if the Jan SS benefit is not paid until Feb would I jeopardize receiving the full 70 yo benefit as I will only be 69 &11 months in Jan
I am currently collecting survivor widow benefits. Appreciate your help.

Saturday, December 11, 2021 - 17:39

Can I Apply For Survivor Benefits Until I Reach Age 70?

I am 66 and 3 months old. I am currently working and making about 42,000. My husband died in 2002 when he was 62. I received a death benefit at that time and monthly benefits for my 2 children who were in high school at that time.
I plan to continue working till I am 70. Is it possible for me to apply for survivors benefits until I reach age 70? Can I still earn my annual salary or will I do better earning less? My husbands benefits were not that good as he had major health issues for some time.

Tuesday, December 7, 2021 - 15:42
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