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

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Will My Wife's SS Automatically Go Up When I Start Collecting My Benefits?

My wife born in 1957 started collecting SS at 62 from her own contribution. I will start collecting next year at my full age requirement 66+. When I do start collecting will my wife’s SS automatically go up because she is receiving less than half of what my benefit will be?

Hi,

No, your wife won't automatically start drawing spousal benefits when you start drawing your benefits. Your wife will need to file an application for spousal benefits even though, technically, she was deemed to also be applying for spousal benefits when she applied for her own . . . Read More

Category: Spousal Benefits
Posted: Aug 5 2020 - 10:03am

Can I Claim My Ex-Husband's Social Security Benefit If He's Married?

I was married for 10 years and If I am divorced Now at age 60 can I claim my ex husbands social security benefit if he is married and I am not ?

Hi,

Unless you have a child in your care who is eligible for auxiliary or survivor benefits, the earlies you can claim divorced spousal benefits on the account of a living ex-spouse is at age 62. The fact that your ex is married has no bearing on your eligibility, but you must be unmarried to potentially qualify for divorced spousal benefits.

Furthermore, since you were born after January 1 1954 you . . . Read More

Category: Divorced Spousal Benefits
Posted: Aug 5 2020 - 9:53am

Can Collecting PUS Benefits Upset My SSDI Benefits?

Hi Larry , am receiving ssdi since 2008 ,64 years old. I apply for for PUS benefits and disclose my disability and that am receiving said benefits apply over the internet and got approved. Have not collect or put any week verification. Can collecting PUS benefits upset my SSDI benefits?

Hi,

I'm sorry, but I don't know what the abbreviation "PUS" refers to, so I can't answer your question. Generally, though, the only type of income that can affect Social Security disability (SSDI) benefits is earned income, such as wages or self-employment earnings . . . Read More

Category: Disability Benefits
Posted: Aug 5 2020 - 9:47am

Will I Get My Social Security Payments On The 1st Of The Month From Now On?

I always got my SSDI check on the 3rd of every month My first check under my reg SS started on Aug 1 and I got paid on the 1st will this be my date for checks from now on? My friend had the same situation but they didn't change the date of his pay why?

Hi,

No. The regular payment date for Social Security payments is never earlier than the 3rd day of a month. Social Security sometimes pays benefits earlier than that if the 3rd falls on a weekend or holiday, but that doesn't explain why you were paid on August 1st since the 3rd of August didn't fall . . . Read More

Category: Payment Dates
Posted: Aug 5 2020 - 9:37am

Can My Wife File For Spousal Benefits To Increase Her Monthly Benefits?

I am 70 years old, took as benefit at 62 $1959. My wife is 59, became disable at 54. Collect disability at $985. Can my wife apply for spousal benefits to increase her monthly check?

Hi,

Your wife can apply for spousal benefits, but unless she has a child in her care who's eligible for benefits on your record she couldn't get spousal benefits at least until she reaches age 62. A person can't collect non child-in-care spousal benefits prior to age 62 even if they're disabled.

If your wife applies for spousal benefits at age 62 or later, she'll . . . Read More

Category: Spousal Benefits
Posted: Aug 5 2020 - 9:28am

Is It Proper To Subtract My SS Amount From My Short Term Disability?

I been working full time and drawing my SS. Through my company I paid for short term disability. Recent I'm on medical leave Cigna is telling me they need to use my SS amount and subtract that from my weekly payment. I could understand if I was on SS DISABILITY but I receiving my retirement pay. Please advise

Hi,

I'm sorry, but I can't answer your question. My expertise is limited to Social Security benefits, and any benefits you can receive from CIgna depends on the terms of your policy with them.

Best, Jerry

Category: Miscellaneous
Posted: Aug 5 2020 - 9:21am

What If Anything Can I Do?

I am 73...I was married to a man 12 yrs younger for 10. yrs...we divorced...he remarried and I remarried. My spouse passed after just two yrs. I have since remarried for nine years again to a man who will be 62 in a yr.. I have been collecting my own soc. Sec. since I was 63. Now what if anything do I do.

Hi,

You couldn't qualify for divorced spousal benefits the record of the first spouse you mention if he's still living and you're currently married. Since your current marriage apparently occurred after you reached age 60, though, you could file for . . . Read More

Category: Filing Options
Posted: Aug 5 2020 - 9:09am

Can I Claim Spousal Benefits When My Husband Retires?

I medical retired 6 yrs ago at the age of 59 and I have SS. My husband will retired at 62 in 4 yrs. His retirement check from SS will be around 1,000 more than what I recieved. Can I claim Spousal benefits when he retired? How much it will be? My SS is 1,248 just now.

Hi,

I assume you mean that you're drawing Social Security disability (SSDI) benefits. You can apply for spousal benefits when your husband files for his benefits, but you'll only qualify for additional benefits if 50% of your husband's primary insurance amount (PIA) is higher than your . . . Read More

Category: Spousal Benefits
Posted: Aug 5 2020 - 9:00am

How Can I Find Out If I Can Get Benefits From My Husband's Social Security?

Im 65. Im married but have not seen or heard from husband in 10 years. How can I find out if I can recieve any Soc. Sec. benefit if deceased?

Hi,

You'll need to contact Social Security. Only Social Security has access to all of the records needed to determine what, if any, Social Security benefits that you may qualify for. Social Security receives death information from funeral homes and state databases, so they generally know whether or not a person is still living.

If your husband is deceased, the requirements for entitlement to widow's . . . Read More

Category: Widow's Benefits
Posted: Aug 4 2020 - 12:23pm

If I File For My Benefits Now Am I Allowed To File For Spousal Benefits When My Spouse Applies For His Benefits?

I turned 62 1/2, worked for 11 years, and wanna file for for social security reitirmenent benefits now. My husband is 65 and plans to file for his social security retiirement this time next year. Am i entitled to file for spousal benefits under my husband at that time ? If yes, how much will be my benefits?

Hi,

Yes, in fact when you file for your benefits you'll be deemed to also be applying for spousal benefits. No one born after January 1 1954 is allowed to apply for either retirement or spousal benefits without being deemed to be filing for both . . . Read More

Category: Filing Options
Posted: Aug 4 2020 - 12:05pm

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