Filing Options

Can I Claim Spousal Benefits While I Continue To Teach?

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I am 66, still working as a teacher and have not claimed any SS benefits. My wife is 55 and on full disability due to 5 major back/neck surgeries. We have custody and are raising her two grandchildren ages 10 and 12. Can I claim "spousal benefits " on her SSDI while I continue to teach? Would we be eligible to collect child-n-care benefits on my Social Security if I went ahead and filed but suspended my own benefits until age 70? At the time when we thought we life would be a little less hectic, we have found that raising two children in school, sports, etc.

When I Die Can My Wife Request My Benefits If They're Higher Than Hers?

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When my wife passed I took her SS retirement over mine since it was higher . I am now re married to someone receiving SS . When I die can my wife request my benefits since mine will be more tha hers . Thank you

Hi,

Yes, if you die before your wife, she could claim benefits based on your Social Security earnings history. However, she could not be paid any of the survivor benefits that you receive from your former wife's account.

Best, Jerry

If A Person Is Drawing Reduced Spousal Benefits Prior To FRA And Their Spouse Dies, Can They Continue To Draw Their Spousal Benefits?

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I have a question about the relationship of survivor's benefits and spousal benefits. Suppose that the facts are these: (1) I am 64, and I have been taking my spousal benefit since 62, (2) my spousal benefit is greater than my own retirement benefit, and (3) my husband passes away at 72. I want to wait until FRA before taking my survivor's benefit to maximize its value. In the meantime, can I keep my spousal benefit even though my husband is dead, or will my social security benefit revert to my own retirement benefit which is less than my spousal benefit?

Can I File For Spousal Benefits At FRA And Defer Collecting My Own Until Age 70?

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My husband is 75 years old and was on SSDI for years before being converted to regular social security at his full retirement age. He used to be my dependent before we married in 2008. We have been together for 24 years.

I am currently 65, with a DOB in August 1954. My original plan was to retire at FRA in August 2020. But in Jan 2019 I required surgery on my left hand and right elbow and was no longer able to practice after 44 years as a physical therapist.

If I File For My Benefits At Age 62 Will I Be Able To Switch To Divorced Spousal Benefits Later?

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I am 61 , my ex husband is 56. We are divorced but were married for 20 years. Hiss income is and was higher than mine during our lifetime as I stayed home many years to raise children. If I claim my benefits at 62 will I be able to switch to spousal benefits later when he becomes eligible? And how do I determine which is higher: mine or my spousal amount or is that determined automatically by SSA?

Hi,

If I Claim And Suspend My Benefits Can My Wife Receive Spousal Benefits?

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Hi Larry, we enjoy your "Get What's Yours…" book, and would appreciate your advice. I was born in Oct. 1954, so I am not eligible for spousal benefits, but my wife (born in Nov. 1953) is eligible for "restricted" ones and she is 66. We both would like to receive our maximal SS benefits at 70, but we need some additional income before we reach 70. If I claim and suspend (until 70) my SS retirement benefits now (at 65) or in October 2020 (when I am 66, FRA), can my wife apply for her spousal benefit to receive 50% of what I am entitled?

Can I Claim Benefits On My Current Husband's Record Now And Then Claim Benefits On My Deceased Husband's Record At Age 67?

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I was born in 1959. I've been married for 1 year and 2 months. My husband collected Social Security benefits at that time. My husband passed away and after 6 years I re-married. I'm still working, but I consider retirement because of my health issues and according to SS website, my benefits would be really low because my income was low in the past and then I fell sick fighting for my life, missed work. My question is: can I claim Social Security benefits on behalf of my current husband now and when I reach 67 to claim on behalf of my 1st late husband?

Will My Wife's Regular Benefits Be Reduced If She Files For Spousal Benefits At Age 62 And Then Files For Her Own Benefits At FRA?

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I am 74 and claimed SS benefits at 70. My wife was born 3/26/1958. If she files for spousal benefits at age 62 + 1 month (reduced amount, I know), when she files for her regular benefits at her FRA, will those benefits also be reduced because of the early filing for spousal benefits?

Hi,