I was married previously for 23 years but divorced. My current husband and I were both born in December 1952. We've been married for almost 15 years. I have been on disability based on my earned wages since 2011. At 65 in 2017 I filed for Medicare as required. At age 66 can I and would it be wise to file for SSI against my husbands much higher lifetime income and will I get 1/2 or his full benefit amount? Thank you.

Hi,

I am writing on April 12, 2018. My question is can I receive spouse SS benefits before I turn 70 and still have my own benefits continue to grow and receive my own maximum SS benefits at age 70?

Full retirement age for both my husband any me is 67. We both started collecting SS last year at that age. My husband's SS amount is less than half of what I receive (I collect $2000, he collects $800). Is he eligible to collect half of my amount ($1000)? If so, when would that start if we went to SS to make the change? Would he have to stop collecting now and wait until age 70 for the higher rate? Thank You!

Hi,

I am asking this question on behalf of my sister in law. She and her husband were foster parents to special needs children and eventually adopted them. Her husband was awarded disability when the children were in their teens. Because the family max disability was reached, my sister in law never received any benefits of her own.. Now these children are adults and still living at home. My sister in law and her husband are over 66 years old which is their maximum retirement age.

I'm filing for ss at FRA (66). My wife began ss at age 62 last year (2017). Can she wait until she is 66, then file for her spousal benefit (half of my ss) or does she have to start drawing her spousal benefit at a reduced percentage immediately when I retire ?

Hi,

Hi Larry,
I will be 62 August 2018 and thinking of drawing Social Security. My husband is still working and will not be eligible to draw until April 2020, will be 62. I do not have a pension and am confused regarding spousal benefits. I am unclear since he will not be on social security will I not receive the spousal benefit if I draw first?

Hi,

I have been a homemaker for over 20 years, so my SS benefit is significantly less than that of my wife, our primary breadwinner. If I file for my benefit at age 62, will I then be eligible for a spousal benefit when my wife files at age 70 (I will then be about 67 1/2)? Half of her Full Retirement Benefit is approximately equal to my age 70 benefit.

Hi,

I was born 12-8-1953. I will be able to file a restricted application when I reach my FRA on my husband's benefit. He started his benefits at age 62. Will my spousal be figured on his reduced amount and at what percent or on what would have been his FRA benefit? I have read conflicting statements.

Hi,

If you file just for spousal benefits only effective with the month that you reach full retirement age (FRA), you will receive 50% of your husband's full unreduced retirement age rate (PIA) regardless of at what age he started drawing his benefits.

Hi. My husband is waiting until his full retirement age before applying, but I have a question. We have an adult disabled child who was deemed disabled before age 22. I have not worked since my son was born and have cared for him full time. I understand he will be eligible for SSDI when my husband retires, but will I also be eligible for a sposal benefit? Also if we are able to receive both SSDI and a sposal benefit, what is the maximum benefit allowed? I ask because this will unfortunately be our only income. My husbands estimated SS at full retirement is $1,850.00.

I am 57 years old and do not plan to retire until I am 65. However, my wife is going to be 65 this year. She has been a homemaker throughout all of our marriage and his essentially gained no income of her own during our marriage. She is also a permanent resident alien. My question is this: can she and when can my wife start claiming her share of my Social Security? Can she claim that share while I am still working and until I retire? What would be the impact on my Social Security payments when I do reach 65 and retire?