My wife turned 62 in Oct 2015 and filed for SS. I was 67 in Nov 2015 but decided to continue to work till 70. Last January (2016) I was told to file and suspend so my wife would get a portion of my SS benefits which was slightly more than her benefits at 62. She had already started getting her SS in Nov 2015. So we did that and her benefits never went up. She continued to get the same as she did on the first month . Someone at SS said if she wanted to get her benefits based on my full benefits, she would have had to send back all the months she had received.

My wife (age 63) took her SS benefits at age 62. I am now 64 (born 1952) and will wait until age 66 to collect full retirement SS benefits. At age 66, do I have the choice of collecting half of my spouse's benefits and suspend mine until age 70? Or, do I not have a choice, I must take all mine.

Hi,

My wife will begin collecting social security this July at age 62. I will reach FRA in March. Can I file for spousal benefits on wife?( while letting credits accumulate until 70) How is the spousal benefit calculated? ( we have comparable income history 60k/70k). Thank you

Hi,

I turned 62 on 12.05.2016 and we are trying to decide when I should take my retirement benefits. I am healthy and quite active though no longer working. My husband is 80, 8.13.1936, and took his benefits early, at 62. It appears from the print out from SSI office that there is no case where taking spousal benefits makes sense since my own benefits are always greater. My husband is 18 years older and has had serious heart issues though is now stable and very physically active. It is quite possible, according to him, that he may die before I am 66 or 70.

I just turned 65 and want to retire if I can afford it - but may have to continue to work. My ex-husband is already retired and collecting disability. We were married over 10 years. Can I collect on his benefit now and continue working? If so, how much can I earn in addition to ss? If I don't work at all, can I collect on his now and then later at full retirement collect on my own ss?

Hi,

I will turn 66 in August 2017, I plan on continuing to work for at least 4 more years, my annual salary is 90K. I was wondering when I should apply for Social Security in 2017? My husband is 74 and has been drawing his SSA since he was 65, will he be entitled to additional Spousal Benefits?

Hi,

I started receiving SS benefits last year when I was age 68 and 2 months, hastened by a cancer diagnosis, even though I continue to work full-time. My gross monthly SS amount is $$3,105.60. My wife has the requisite quarters to be eligible for SS in her own right (she retired at age 35 when we married). She is now age 62 and 1 month but has not filed for SS. Doesn't it make sense for her to start drawing down now her SS, which at her current age would be $1,013?

I filed and suspended my SS at 66 currently working but thinking about retiring this summer when I'm 68. Any advice on when I should start taking my benefit?

Thanks,
Frank

Hi Frank,

Larry,

If I'm receiving survivor benefits now - will that lower my social security benefits when I turn 70 ( I'm 66 now) Thank you Laura

Hi,

No, it won't. Your own benefit amount will be calculated independently, without any carryover reduction from first receiving survivor benefits. When you eventually do file on your own record, you will receive the higher of the 2 benefits, but not both.

Best, Jerry