Filing Options

Can I File For My Own SS Benefit Now And Then Switch To My Husband's At Full Retirement Age?

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My husband passed away 4/2018. I am going to wait until full retirement age, 66 & 2 months to collect his maximum benefit. I am currently 63. Can I collect my own SS benefit now and then switch to his at full retirement Age? I need his higher amount at retirement and don't want to jeopardize losing that option. Thank you.

Hi,

I'm sorry for your loss.

If I File This Year Would My Back Pay Be Paid At My Age 69 Rate Or My Age 68 Rate?

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I am 68 and not drawing S.S. retirement money yet . I still work full time . Thinking of retiring this year . Will be 69 in January 2021 . If I retire August 31, 2020 , how many months backward will they pay if I request backpayment (S.S. tells me it can be done ) . Also , if I wait until age 69 to retire , would these backpayments be at my age 69 benefit rate or age 68 rate? Thanks for any clarification on this matter !! Gary

Hi Gary,

Can You Give Me Any Advice?

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I am born 1961 and my husband 1949. We took his SS at his 62 years and had a minor child at home. It was the recession and loss of work. No other choice, believe me. It saved us. My husband is 70 and still working. We don't know at what point he may not be working. I am not working but have been looking. We owe $120,00 on a modest (already downsized home. We only have 50,000 saved (CD's) and a small 401K (30,000) that could lose money. Old vehicles. No other debt. Two children are self-sufficient for now. We have 2 grandchildren. No inheritance or anything else forthcoming.

Can I Collect Widower Benefits At Age 66 And Let My Own Benefits Grow Until Age 70?

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Hi Larry, my question is about widower benefits. I will be turning 66 on December 4th of this year. My wife of 30 years died when I was 52. I remarried when I was 64. My question is. I plan on working until age 70 and was wondering if I could collect widower benefits, from my first wife, at age 66 and let my own benefits grow until age 70. So I can collect at a higher 32% rate.

Thanks, Vince

Hi Vince,

Should My Wife File At FRA To Get 50% Of My FRA Benefit?

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I am married. I was born in Dec. 1953. My wife was born in Sep. 1954. I am currently working full-time, maxing my 401K and company match. I am enrolled in an HDHP medical plan at work and maxing out my HSA contribution. My company has well over 500 employees. I plan to work for another year or two. My question is should my wife start taking Social Security benefits this year on her birthday when she reaches her full retirement age (FRA) and get 50% of my FRA benefit? Fortunately, we do not need the money at this time. I have not filed for Social Security or medicare.

Can You Draw Two Benefits?

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I am widowed as of 2014. I am 59 years old. I need help determining if I should draw my widows benefit at 60 or wait until later in my retirement. Full retirement age for me is 67. I would like to continue working part time. I was told I could earn approx. $17,000.00 a year in income if I do draw social security benefit. Can you draw 2 benefits? One for myself and one on my deceased husband. I have had a lot of conflicting answers. Thank You

Hi,

I'm sorry for your loss.

If I Die Can My Wife Suspend Her Benefits And Draw Widow's Benefits Instead?

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Hello Larry, My wife and I were both born in 1953. Our PIA's are almost the same. She began her benefit in 2019 and I started my spousal benefit based on her record, deferring mine until I turn 70. If I should pass before then, can she suspend her benefit, take a widow's benefit and let hers accumulate DRC's until she turns 70?

Hi,