I am 53, my wife is 59. Due to parkinsons diagnosis for my wife we are attempting to get her on SSA Disability. With or without that happening around age 60 for her, at age 62 likely would take her normal social security, but wonder what happens since I will still be working current job/career until she reaches medicare age at least (i'll be 59 myself). We have decent 401K/IRA situation in all tax deferred accounts.

Hi. Your work and earnings won't have any adverse effect on any Social Security benefits that your wife collects based on her own earnings history. If she's approved for Social Security disability (SSDI) benefits, she'll be eligible for Medicare effective with the 25th month of her SSDI entitlement. So, in other words, your wife will be eligible for Medicare effective with the earlier of a) the month she reaches age 65, or b) 2 years after her SSDI benefits start.

SSDI benefits are paid at 100% of a person's primary insurance amount (PIA), which is essentially the amount they'd be paid if they apply for Social Security retirement benefits at full retirement age (FRA). But, if your wife instead starts drawing Social Security retirement benefits at age 62, they'll be reduced for age to roughly 70% of her PIA. Therefore, it would be much more advantageous for your wife to collect SSDI benefits if possible.

Best, Jerry