If I Pay Into Social Security For 30 Years Will I Be Able To Receive Payments?
I retired from the railroad and did contribute to ssi as well via other part-time work . I have contributed almost 23 years to ssi and currently although retired from railroad with pension am still working and have ssi deductions. I am also entitled to military retirement pay at 60. My question: If I accumulate 30 years of payment into SSI, will I then be entitled to receive payments ?
Hi,
You wouldn't need to pay into Social Security for 30 years to be able to qualify for benefits. As long as you have at least 40 quarters of coverage, or the . . . Read More
Category: Railroad Retirement & Social Security
Posted: Feb 15 2021 - 5:58pm
Am I Eligible To Apply For Spousal Benefits In Addition To My Own Benefits If My Husband Receives SSDI?
I am 68 years old and retired. I receive SSI Retirement. My husband is disabled and recieves SS Disability. Am I eligible to apply for spousal benefits along with my retirement? And will affect his disability amount that he receives now?
Hi,
You can apply for spousal benefits based on your husband's Social Security disability (SSDI) benefit entitlement, but if you're collecting Social Security retirement benefits then you'll only qualify for spousal benefits if your primary insurance amount (PIA) is less than 50% of your husband's PIA. A person's PIA . . . Read More
Category: Spousal Benefits
Posted: Feb 15 2021 - 12:25pm
Is My Husband Entitled To My Social Security?
My husband is a retired postal worker and dies not receive social security. Is he entitled to my social security?
Hi,
The short answer is probably not. Your husband may be technically eligible for benefits on your record if he's at least age 62 and if you're drawing your benefits, but assuming that your husband's receiving a civil service pension and if he didn't pay Social Security taxes on his earnings from the government then any Social Security spousal or survivor benefits that he would otherwise qualify for would almost certainly be offset by 2/ . . . Read More
Category: Spousal Benefits
Posted: Feb 15 2021 - 12:05pm
When My Ex-Spouse Retires Will My Daughter's DAC Payment Go Down?
Retirement, disabled adult child, divorced spouse and calculation of benefits. One of the unplanned consequences when I retired at 63.5 was that my daughter-DAC was switched from SSI to SSDI. Her benefit is a relatively robust $1350 a month vs. $750 on SSI. My ex-wife is still working and will retire in a few years. When the ex-spouse retires will the DAC payment go down because of the ex wife’s share of my SS retirement pie reduces the DAC share? Will the DAC payment go down but then perhaps up again because of payment to the DAC from the ex-wives SS retirement pie?
. . . Read More
Category: Disabled Adult Child Benefits
Posted: Feb 14 2021 - 1:45pm
How Can My Brother Maximize His Benefits?
Hi Larry
I am asking for my brother who has worked for 44 years and became disabled in 2003. How can he maximize his benefits from social security? Thank you
Hi,
I'd need much more information about your brother to be able to give you a meaningful reply. However, if your brother is disabled and he's under his full retirement age (FRA), he may want to apply for Social Security disability (SSDI) benefits if he hasn't already done so. For more information on SSDI benefits and how to apply for them, refer to Social Security's website: . . . Read More
Category: Miscellaneous
Posted: Feb 13 2021 - 5:28pm
Will My Husband's SSI Payments Be Reinstated If We Get Divorced?
I married a man on SSI two years ago. He has recently received a letter that he owes them money back for the last two years and that he’s losing his SSI now for good.
This was all due to my income. If we get divorced, will he be able to reinstate his SSI?
Hi,
It's impossible for me to give you a definite answer. Your income and resources would no longer count against your husband in the event of a divorce, but he'd still need to meet all of the other entitlement requirements before his Supplemental Security Income (SSI) payments could be . . . Read More
Category: Supplemental Security Income
Posted: Feb 13 2021 - 3:19pm
Is It Still Possible For Me To File For Survivor Benefits As A Disabled Adult Child At Age 36?
Hi, I have never had SGA. My social security records show that. I am 36 and was diagnosed a few years ago with autism. My doctor maintains that autism begins at birth and so I have had it all of my life. It just was undiagnosed because people did not know much about it when I was a kid, but I have always struggled with extreme anxiety and depression and insomnia. I have few medical records from back then because it was long ago, but I was wondering if it is possible to do DAC for my dad's survivor benefits, because I have never had a full time job or SGA due to undiagnosed . . . Read More
Category: Disabled Adult Child Benefits
Posted: Feb 13 2021 - 8:06am
Why Would It Make Sense For Me To Wait Until Full Retirement Age To Start Drawing My Benefits?
First of all, waiting to 70 to draw SS is not an option I want to consider. My question is why should I wait to FRA to start receiving SS? Here are the facts:
I was born in Feb.1956. (I will be 65 in a few days). My FRA is 66 years and 4 months, which I will reach in June 2022. I retired almost exactly one year ago, (at the end of Feb. 2020) at 64, after reaching 35 years of employment in my chosen field (previous years were in much lower paying student jobs). My estimate if I retire at 65 is 1,901 (Let’s say 1,900). If I retire at FRA 66/4, my estimate is 2,087 but that . . . Read More
Category: Filing Options
Posted: Feb 12 2021 - 9:33am
Would My Benefit Amount Increase By 8% Per Year If I Delay Starting My Benefits Even If I've Stopped Working?
Larry,
I retired 65 and will reach my full retirement age in 8 months. If I delayed taking it for another year or two would my monthly base amount increase (~8% for year) or does that sonly happen if you continue to work. i.e. If you reach you full retirement if you stop working/contributing your base amount is frozen except of Cost of Living increases, even if you delay taking it?
Hi,
Yes, your benefit rate would grow by 2/3rds of 1% for each month, or 8% per year, that you defer collecting benefits from full retirement age (FRA) until age 70 . . . Read More
Category: Delayed Retirement Credits
Posted: Feb 11 2021 - 4:47pm
Does My Child Get 50% Of My FRA Rate Even If I File At Age 62?
Hi,
Does my child get 50% of my FRA PIA benefit amount even though I filed for reduced benefit at 62 or does she get 50% of my reduced benefit 62 amount? My understanding is even though I filed early with reduced benefit at 62 she would still get 50% of my FRA amt (or my PIA). She will be in high school and under age 19 from my age of 62-66.
Thanks
Art
Hi Art,
Yes. The full benefit rate for a child eligible for benefits on the record of a living parent is 50% of the parent's primary insurance amount (PIA). A person's PIA is equal . . . Read More
Category: Child Benefits
Posted: Feb 11 2021 - 4:35pm
