I just turned 53 and am collecting Social Security disability benefits (a very small check). My second husband (to which I'm still married) is almost 60.5 years old and is still working. He is set to retire at 66.5, so in another 6 years.

My first husband will be 54 in May. I'm pretty sure he makes more money than my second husband, though he's only a year older than I am, so I'm not sure if he has more in 'the pot' since he's younger than my second husband.

I’m 72 and my fiancé is 77 if we get married will it effect our social security?

Hi,

Getting married would have no effect on any Social Security benefits that you currently receive, except in the unlikely event that you are receiving either disabled adult child's benefits or parent's benefits. And, it's possible that one of you might become eligible for spousal benefits on the other's record depending on your current benefit rates. You might want to consider using our maximization software to find out whether or not that's a possibility.

I am 81 (82 in March), and a widow living with a man I would consider marrying if situation arose. I am collecting 1st husband S.S. (23 yr marriage). If situation arose to marry present partner, what would happen to my present S.S.? Would appreciate your input. Thank you, Joan.

Hi,

I am 65, unemployed (laid-off), and have not yet started taking my Social Security. My FRA is 66 (April 2017). My wife is working part-time + (more than 20 hours a week but less than 40). She is 56 and her FRA is 66 years and 10 months. My ex-wife is 63 and has been employed longer than my wife because she took some years off to be a "stay-at-home" Mom. My ex has not yet started her Social Security and I don't know when she plans to. I would ask her but she pretty much hates me. The divorce and subsequent years have not been amicable.

Eric: I’ll be 69 in April and have held off taking benefits up to this point. I did a calculation to see what the break-even point would be at starting times of 66, 67, 68, 69 and 70. It turns out that all of them reach the break-even point at about age 80 to 81, at which time I would have made up the “leave it on the table” money and start coming out ahead with higher benefits (even factoring in the interest income lost).