My husband is 84 and I am 60. He has a pension and social security but his is reduced by his pension income ($564/month). I have lived in the US legally for 14 years and I am an American Citizen. My husband is disabled and I care for him so my social security benefit would be based on his benefit (I assume) since I am 1/4 short on my benefit after working part time for 8 years. I am eligible for Canadian social insurance and CPP at 65 in Canada. Is there any way to file early in the US for me since I am not able to work while caring for him.

If I receive social security on ex husband and then remarry, why are they making it a year wait and receive no income for a year, I don't understand the thinking on s.s part. Loosing that income for year a lot........

Hi,

Dear Larry,

My wife, Leslie, and I have an appointment with Social Security on April 28 to apply for her spousal benefit based on my work record. She will be 66 this month, so she was 62 before 4/2/16. I am 68 and successfully filed and suspended my own SS benefit before 4/28/16. Both Leslie and I intend to defer our own SS benefits until we reach age 70. According to your book, Get What's Yours, she should qualify for spousal benefits under the "grandfather" provisions of the 2015 revisions to the SS law, until she collects her own SS benefits at age 70.

Hi Larry- I am 52 and my husband is 60. This is the second marriage for both of us. I expect to draw a decent social security check sometime in the next 10-15 years , but my husband has never paid much into social security. We have been married 7 years. Can he collect on my record? When would he be eligible? He is divorced from his first wife and she is remarried. She is 50. We tried to open an account on the social security website and they could not even find him! He is a naturalized citizen with a social security number.

Hi,

I was on ssdi until I reached fra in Nov 2016 now on ssi of 2350 so I can't suspend without paying my ssdi back. My spouse is on ssdi recieving 850 and will reach fra in nov 2020. When reaching fra can my spouse colect spousal off my record.

Hi,

My husband is 2 years older than me. He began drawing his Social Security at age 62. When he reaches age 65, can he draw Spousal Benefits from my social security (as it will be $500/month more than his) until I begin drawing Social Security (I plan to retire at age 65 and 4 months)?

Hi,

No, your husband can't receive spousal benefits until you start drawing your benefits.

Best, Jerry

I am currently on SSDI and will be 62 at the end of this year, my wife will be 61 in July, when can she apply and what percentage would she receive.

Hi,

Your wife could be eligible for spousal benefits as early as age 62, or possibly even earlier if she has a child in her care who is eligible for benefits on your record (https://www.ssa.gov/planners/disability/dfamily2.html).

I had to sign up for my retirement this past aug1 @ 62 yrs of age. My husband had to come out of work two yrs ago on disability. We have two eleven yr old boy`s whom we adopted. They get to draw off my husbands disability. I ask if I could not draw off my husband`s work record. They said no, because I had enough credits off my own. But it is not much and wanted to make sure I could not draw from his record. thank you

Hi,

I'm a few years older than my husband and he is the higher earner. I will collect full retirement benefits but can I collect his when he reaches 62 and / or should I wait for his full retirement age because it will affect his own.

Hi,

My wife started to collect her ss at 62. Is it possible for her to collect off mine when I retire at 66 (probably 70)? A friend's wife told us she was collecting off of her husband because he made more and so she got more.

Hi,

Yes, it's possible. In order for your wife to qualify for additional benefits as a spouse on your record when you start drawing, 50% of your full retirement age rate (PIA) must be higher than her own PIA.