Filing Options

Could My Girlfriend File For Her Benefit Now And Then Switch To Half Of My Benefit When We Marry?

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I am 68 and my girlfriend is 66. I don't intend to file for social security benefits until I am 70. We intend to marry at that time. Her benefit now would be around $1,586 and my benefit at 70 will be close to $3,400. The question is, can she file for her benefit now and then when we marry, would she be able to switch and get 50% of my benefit?

Hi,

Is There A Fix For My Problem?

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I made a big mistake and filed for ex spousal benefits one month before my FRA. I have been collecting for 1 year and 1 month. I want to file to collect under my own earnings. When I called SSA they quoted me my own earnings amount??? I asked about the deeming issue but they were clueless. Please say there is a way to fix this or I will be out $2,000 a month. Thanks Linda

Hi Linda,

If I Start Drawing Reduced Spousal Benefits And My Husband Dies Before I Reach FRA Can I Wait Until FRA To Get An Unreduced Survivor Rate?

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My spouse took his SS benefit at his full retirement age. If I decide to take SS benefit at age 63 (34 months early) and increase my benefit by opting for a spousal benefit instead I realize I'll be receiving a reduced benefit. My question is... If my spouse then dies before I reach my full retirement age will my survivor benefit be reduced automatically because I've opted for a spousal benefit instead of my own or do I have the option to remain on my spousal benefit amount and delay survivor benefit until I reach full retirement age?

Would I Be Allowed To File For Spousal Benefits Now And Wait Until FRA To Switch To My Own Benefits?

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Hi Larry,

I'm 64 . My husband is 70 and he has been collected SS benefits since age 68. I want to file for benefit but not sure to file spousal or my own. My estimated PIA will be slightly lower than my husband. if I apply for spousal benefits now and wait till my FRA (66 and 4 mo.) to switch to my personal benefits, will that be allowed? If allowed, what is the consequence?

Thanks in advance for your time. Your expertise is greatly appreciated!

Suk

Hi Suk,

Can A Husband Born In 1953 Collect Half Of His Wife's SS When She Starts Drawing Her Benefits?

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Scenario: Husband will retire FRA of 70 (9/23/1953) wife (Susan 7/22/1959) will file for SS at 62 (only 18 years of employment) Question: If wife collects her SS at 62, can husband collect half of wife's (meager -ha) SS earning when wife files for SS until his FRA of 70 (at which point wife transitions to receiving a percentage of his SS.
I cannot find an answer anywhere to this question. Thank you so much!

Hi,

Can I Switch From SS Disability To SS Retirement Benefits Now That I'm 62?

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I'm 62. On ss disability since 2016.
Can I change over to retirement SS at my age? or do I have to wait till 66 +2 months?

Hi,

You could, but you probably wouldn't be happy with the results. Social Security disability (SSDI) benefits are calculated in essentially the same manner as your full retirement age (FRA) Social Security retirement benefit is calculated. The only material difference is that fewer years of earnings are sometimes used to calculate SSDI rates than the 35 years used to calculate retirement benefits.

Can I Draw Spousal Benefits At Age 62 And Claim My Own Benefits Later?

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Larry, I am 62 and still working part time. My husband is 73 and has been drawing SS since age 62. I believe that my own social security payment amount would be higher than his. Can I draw on his benefits now (spousal benefits) and then claim my own benefits at 65? I was confused by SS website because it sounds like if my benefits are higher than my husband's, they would pay that amount and not let me claim spousal benefits. I hope you can help me. Thanks so

Hi,