My mom worked for a while before marrying my dad and deciding to stay home to raise children. Then, after they were divorced, she went back to work for the federal government. She has been told that she cannot collect social security based on her pre-marriage work/contributions. She also has been told that she cannot collect spousal benefits, due to her post-divorce employment by the federal government -- they say she's stuck with her federal pension, which is small, since she started work for the federal government so late in life.

I am 67 years 2 months old and my spouse is 66 years 4 months old (FRA). We each have our own SS benefits from our work record. If I retire 5 months from now, can my spouse obtain spousal benefits from my work record at that same time, then switch to her own delayed benefits when she turns 70 years old?

I am currently 62 years & 8 months old. I am going to apply for SSDI but, if approved, that benefit will not start for at least 6 months. Does it hurt me in any way to also apply for regular Social Security now so that I have income while waiting for SSDI?

I’m turning 62 next month my husband passed away three years ago can I collect part of his ss , and still work, and then when I am ready to retire can I collect my ss?

Hi. I'm sorry for your loss. You can apply for widow's benefits now and wait until later to apply for your own benefits, but whether or not you can be paid benefits prior to your full retirement age (FRA) depends on how much you're earning. Social Security would need to withhold $1 of your benefits for each $2 that you earn in excess of $19,560 this year.

I was born in 1952. At age 65, I started collecting on my ex spouse's social security. I am now 70 and going to collect my own benefit. Social Security indicated that my application but said my amount was reduced due to "early retirement". I am not retiring until

My husband and I are both planning on waiting until we are 70 to collect SS. I was told that I could be collecting up to half of his benefit now before he starts collecting and it won’t impact his future benefits. He turns 70 in April, 2023. I turn 70 in 2025. Thanks for any advice you can provide.

do I need to apply for early retirement on social security retirement if I leave ssdi insurance

Hello, I am going to retire at 62, my husband is still working, my question is if I draw mine will I also be able to draw on his to when he retires?

Hi. Possibly, but you'd then still be stuck with the reduction for age applied to your own benefits for at least as long as both you and your husband are living. That reduction would amount to roughly 30%, assuming that your full retirement age (FRA) is 67 and you start drawing your benefits at age 62.

My wife of 25 years is seven years younger than me. If I retire at 70 and her at 63, can we each draw social security (we both qualify) at the same time? If I die first, can she stop collecting hers and get mine as a spousal death benefit (my benefit will be Much higher)? Does it depend on when she starts drawing her benefits (ie FRA)? Thanks.

Due to my disability (inclusion body myositis) I was retired by SSS at the age of 57 and collecting my full retirement pension. I’m now 63 years old. My question is my wife is turning 62 this February 2, 2023, can she file for spousal benefit( half of what I received) or her own SSS, which ever is higher?She is also not in good health.