Hi, Both my wife and I are 66 and we both work. I am drawing my benefit and my wife is getting ready to file. Does my wife have the option to suspend her benefit until she is 70 and draw 1/2 of my benefit? If she has that option, will it reduce my monthly benefit, or will I receive my full benefit and she receives half of mine? Thanks, Leo

Hi, my wife get Social Security this year at age 62. I get in 2017. We do not want to wait until full retirement age due to poor Health. Can we do anything to maximize our SS Benefits or get medicare Thanks, John

Hi, my husband passed in May 2015 at the age of 62. He was on SSDI receiving medicare since 2010 due to Kidney Failure. He was the high wage earner till that point. I was 57 when he passed. What do I need to do with Social Security to max my benefits for both myself and/or spousal benefits? Thanks, Joanna

My husband and I will turn 66 in Nov 2016. I will keep working and not file for SS until age 70. If my husband files at age 66 for his own benefits, when he turns 70, can he file for spousal benefits if half of my SS is more than his SS (that he started getting at age 66)? Something about deemed filing?

Thanks!

Rita

Hi Rita,

My wife turned 68 in 2013. She started taking her SS benefits at that time. I was 66 at the time & filed for spousal benefits. We have been receiving these benefits since then. Next year I will turn 70, and it has been my understanding that I can then file for my own benefits, which have continued to grow. Is this correct? Thanks

RE,
Yes, you can file for your retirement benefit when you turn 70 and it will be 32% higher than if you had taken it at age 66.
Best,
Mike

I was born 9/3/50 and will reach full retirement age in two months. My wife was born on 4/5/57 and is currently receiving SSD. I had heard that I could file and suspend my benefits and receive 50% of my wife's. When I went to the Social Security office, a female employee told me that the new law ended that. Reading your article in Forbes now has me wondering if that info was correct or not. Can you elucidate?

Hi, My wife will be 65 this year and I will be 64. Neither of us are currently taking SS, but she is planning to take her's this year, one year before her FRA, and I am planning to wait until I am 70. We realize that her monthly payment will be slightly less than if she waits till her FRA of age 66, but I would like to know whether she will be able to do that and still switch to a spousal contribution when I finally take my social security at age 70.

Hi, I started receiving my Social Security benefits when I turned 62, two years ago [~1100/mo]. I had 'retired' from the City of Portland in 1998 with a Medical Layoff that was 'supposed to' turn into a Disability Retirement. Standard Insurance refused the Disability Retirement, after Appeals. So I considered my 'early retirement' as delayed Disability payments. My wife will turn 63 in October. At this point in time, are there any 'strategies' we can use that will increase our income?

My wife is now 62 and has NOT WORKED since she was 20, she has spent her entire life taking care of me[100% service connected disabled wheelchair veteran]. When should she apply for SS? Thanks, Gary

Hi, I will be 69 in April, 2017 and my wife will be 42 in October, 2016. I have been collecting SS since 2014 all the while working full time (as a high school teacher). I intend to work at least until I am 70 (full time and then substitute teach after that). My wife works part time at 2 jobs (40 hours or more per week). Any suggestions as to how to maximize our benefits? Thanks, Mark