Ask Larry: Questions and Answers | BAM - Maximize My Social Security

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When I Reach Age 66 Will I Still Receive Both SSI And Social Security?

If I'm receiving SSI due to an illness as 66 do I still get social security check alsoand I still receive both SSI and social security

Hi,

For the benefit of other readers, SSI is the abbreviation for Supplemental Security Income. SSI is a needs based program administered by the Social Security Administration, but the benefits aren't paid from the Social Security trust fund. Only people who are either blind, disabled, or age 65 or older can qualify for SSI payments.

SSI payments can supplement a person's other income, such as Social . . . Read More

Category: Supplemental Security Income
Posted: Aug 6 2020 - 10:04am

How Much Will My Widow's Benefit Be If I File At Age 60?

Hi, I’m a 59 year old widow who’s husband filed for social security disability at 62 due to cancer and was approved . He passed away Ali I’ll ever a year after diagnosis. I was told that I can apply at 60 to start collecting his social security ? I know it will only be a certain percentage if so and will it be the disability amount ? I am only working a couple of days a week and my my benefit at retirement age is nothing close to his. Can I still work and collect his benefit?

Hi,

I'm sorry for your loss.

If you start drawing widow's benefits at . . . Read More

Category: Widow's Benefits
Posted: Aug 6 2020 - 9:44am

How Do I Get Widower Benefits?

How do I get widower benefits I was married 22 years he passed away 10 years. Is there any way I can get widower benefits because I can't live on 728 a month that all I get

Hi,

The only way that you could get widow(er) benefits is by filing an application with Social Security. You can initiate that process by calling 800-772-1213.

I have no way of knowing whether or not you'll qualify for widow(er) benefits, though. If you're drawing your own benefits, the only way you'd be able to get additional widow(er) benefits is if your deceased spouse' . . . Read More

Category: Widow(er) Benefits
Posted: Aug 6 2020 - 9:39am

Can My Boyfriend And I Qualify For Our Social Security Without Being Married?

Boyfriend and I have been together 40 yes can we qualify for our ss without being married

Hi,

You and your boyfriend could potentially qualify for any Social Security benefits to which you're entitled based on your own earnings histories, but it's unlikely that you could qualify for spousal or survivor benefits on each other's records. However, if your relationship is recognized as a legal marriage under state law, such as a common-law marriage, you may then be able to qualify for spousal or survivor benefits.

Best, Jerry

Category: Miscellaneous
Posted: Aug 6 2020 - 9:25am

What Happens To The Money I Paid In?

I was widowed at 58 and had been married to my blue water navy veteran for almost 38 years No veteran benefits. I started drawing my husband's benefits at 60.because I was depressed and could not go back.to work..I get 71.5 per cent and I draw 1281 a month.and 147 is taken out before I get my check

I am.69 worked for tears but my ss is about a hundred less than his so will continue to draw his..what happens to miney i paid in and the other 28.5 per cent of his that I will never fet a penny of...the government sure makes out good in a widow in my predicament..every three . . . Read More

Category: Miscellaneous
Posted: Aug 5 2020 - 4:01pm

How Much Can I Earn Without Jeopardizing My Disability Benefits?

I am 57 and have been on disability for 10 years. I am contemplating trying to get a Flexjob where I can work some hours from home, as I am in a high risk group for Covid 19. The reason I am looking to pick up some work, if I can is my husband has been furloughed since April with no end in sight and my education and work experience along with the current work conditions I have found jobs in my field on line. My question is how much can I earn without jeopardizing my disability? I'm positive it would not be a problem to re-apply, but it is a pain. Although the last time I . . . Read More

Category: Disability Benefits
Posted: Aug 5 2020 - 3:50pm

Can I Get Spousal Benefits With My Disability Benefits?

CAN I HET SPOUSAL BENEFIT WITH MY DISABILITY BENEFITS, AND IF THEY CANGETHE BENEFIT TO MY SOCIAL SECURITY BENEFITS CAN I STILL GET SOME OF THE SPOUSE'S BENEFITS MONEY?

Hi,

I assume you mean that you're drawing Social Security disability (SSDI) benefits. In that case you could only be eligible for spousal benefits while your spouse is living if 50% of your spouse's primary insurance amount (PIA) is higher than your own PIA. A person's PIA is equal to their Social Security retirement benefit rate if they start drawing their benefits at full retirement . . . Read More

Category: Spousal Benefits
Posted: Aug 5 2020 - 11:02am

Will My Benefits Be Reduced Because I'm Collecting A Union Pension?

I'm collecting now a union pension and debating about taking my social security benefit early at 62 , will my benefit be reduced because I collect a union pension? I know I will be reduced because of age.

Hi,

Your union pension won't reduce your Social Security benefit unless the pension is based on your earnings that were exempt from Social Security taxes.

You may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze the filing . . . Read More

Category: Retirement Benefits
Posted: Aug 5 2020 - 10:57am

When I File For My Benefits Will I Lose My Husband's SS Benefits?

I'm age 66 and collecting spousal benefits. I haven't used my retirement social security benefits yet. I am not retired but I have lost my job because of the panademic at this time. I plan to sign up for retirement when I'm. Age 70. My question. When I retire will I lose my. Husbands ss benefits. Will I get one check or two. Pls let me know thanks Mary

Hi Mary,

I assume that your husband is living and you're drawing spousal benefits rather than survivor benefits. Only people born prior to January 2 1954 are allowed to apply for spousal benefits . . . Read More

Category: Filing Strategies
Posted: Aug 5 2020 - 10:39am

Can My Social Security Benefit Be Increased?

I have been getting special security since 2017 when I turned 65. I also quit full time teaching.
Since I quit my job I make more money now that I am a selling my art and am sought after to offer art workshops.
Can my social security benefit be increased (I make much more selling art than I did teaching.)

Also, my current Social security benefit is only about $1000 a month but my husband’s (retired at age 67 in 2018) gets about $1700. Should I be apply for spousal benefit as this is what confuses me the most.

Thanks, Sheila

Hi . . . Read More

Category: Retirement Benefits
Posted: Aug 5 2020 - 10:17am

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