After not having worked for 20 years, I began drawing my social security benefits at age 62 while my husband began his benefits at FRA. I unexpectedly went back to work at age 64. My husband is also still working. I will be 67 in August. He is 68. May I now file for spousal benefits at this point? I would double my benefit if I were to receive 1/2 of his. Or is there a better scenario for us? Also, are spousal benefits calculated on your benefit before medicare insurance is deducted, or after?

Thanks!!

Hi,

Hi Larry, I will be turning 67 in July, and don't plan on taking SS benefits till 70. My wife has been getting benefits since 62, she turned 67 this past March. I had asked you if I was eligible for SSI and you thought I was for half of her allowance till I make my claim. I am still working and my wife works part time. the SSA office told me I was not eligible because we have a combined income of 80k/ month. Just wanted to check with you to see if this is accurate. Thank you.

Hi,

Am I able to draw spousal benefits even though my husband is still working? We have been legally separated for 16 yrs. I started taking my benefits when I turned 62, I'll be 67 July 1. He was 64 in May but won't retire until he's 66, if then. Also, would divorce affect my spousal benefits?

Thank you.

Hi,

My ex husband filed for social security disability while we were still married. We divorced 3 yrs after he filed. He was recently awarded his disability and received a back pay. Am I entitled to any of the back pay that covers the time we were still married?

Hi,

My benefit amount at full retirement age is $2000. My wife's is $900. I understand her spousal benefit would be $100 per month. If she delayed claiming her benefit until age 70 so that her benefit increased to $1188 (32%) would she still receive the $100 spousal benefit in addition to the higher benefit amount. In other words would she receive $1288 or $1188?
Thanks

Hi,

Please define "excess" spousal benefits? I am 4 years older than my spouse. I have been the primary income earner. My spouse earned minimal income. I will defer until age 70. Does that mean my spouse can receive half the benefit I receive at age 70 if she waits to file until her FRA or later (and after I file at age 70), or will her spousal benefit peak at the half my FRA benefit even though I defer until 70?

Hi,

I began taking my social security benefit at NRA. I'm 66 and my wife is 61. After reviewing what she would get under the spousal benefit I think that it would be to our benefit for her to take the reduced spousal benefit when she turns 62 in December of 2018. My question has to do with the benefit she would receive should something happen to me. When I retired I began taking my benefit in September of 2017 at NRA which was the maximum benefit allowed. Based on the SS calculators she would receive a little over $900 per month because she would be taking it early.

My husband started his Social Security benefits a few years ago at age 65, but has continued to work. When I begin collecting benefits at 66, will I receive half of his fra, or half of the amount he is currently collecting, which has increased due to colas and salary increases?

Hi,

I am turing 65, m FRA is 66 and plan on supending SS until I am at 67. I will not need Medicare as well until I turn 67. My wife is 63 and will turn 65 at the same time I turn 67. In this way I am mantaining medical insurance up and until she can be on Medicare. Having said this, if I retire at 67 when can she claim the full 50% sposual from SS? She has been a stay at home mom and does not have enough credits to receive any SS on her own.

Hi,

Good morning!

I am 70 and drawing Social Security on my own (previously from deceased husband) as of March 2108.
My second husband is 69 drawing Social Security from his deceased spouse benefits.

Can he draw from my Social Security without affecting my dollar amount?
How does this affect my future Social Security?
When is it beneficial for him to draw from his own Social Security?

Hi,