I am 66. My wife died 7 years ago at age 56.
I started collecting survivor benefits a couple of years ago and continue to do so.
My benefit is higher than hers.
Am I better of waiting to switch to my benefit now or waiting til I turn 70.
I have some health issues from cancer treatment I underwent in my 20s so I am probably not going to live to an old age.
Thank you.

Hi,

I'm sorry for your loss.

My husband's birthday is 12/11/53 and mine is 01/09/1954. Can we use file and suspend for me to claim spousal and my husband would then wait till 70 to file.

Hi,

No. You couldn't claim spousal benefits without also being deemed to apply for your own benefits at the same time, nor could you be paid spousal benefits at least until your husband starts drawing his own Social Security retirement benefits. That's because you were born after January 1 1954.

My wife is on dialysis and just started receiving disability. She is 62. Should she file for Social Security now

Hi,

I'm sorry to hear about your wife's health problem.

I took SS a few months after my FRA in 2009. My wife is 62 this summer and would receive $1,085 then or $1,632 at her FRA. My SS monthly payment is approximately 30% more than her FRA benefit so she will have the widow's benefit in the future.

Hello Larry and thank you for reading my email . My question is we have a disabled adult child and my wife is 53 and I am 62 . What would be the benefit if any for my daughter or my wife if I were to retire at 62 or should I try another job being my doctor thinks I have worked in the field as a blue collar worker I have a pension coming due to my years of service and age . Per my social security record I have paid in since 1973 and I don’t know where to start or what to pursue I appreciate your response if you have the time . Thanks "..Mike

Hi Mike,

Hi Larry,

My wife just turned 67 and filed for retirement benefits. I will turn 67 on 02-12-2021. I am under the belief that I can apply for limited benefits, up one-half of my wife's total benefit without hindering the growth in my full benefit between my 67th and 70th birthday, the latter being my targeted retirement age. Is that true and, if so, what the guidelines, protocols, and caveats attached to this? Thanks!!

Hi,

Hi Larry,, my birthday is dec 1952,my wife birthday is July 1953,, I’ve been told that I can draw my ss now and my wife can draw 1/2 of mine also without doing anything to her ss. I was also told that the ss administration would give me back ss from January ,, is this true??

Hi,

Hi Larry, I'm 66 FRA and will continue to work a year or so . My wife is 63 ( 66.6 is her FRA) she wants to retire and collect SS
I'm thinking to collect and still work. How can she maximize her amount. Should collect first or do I.

Hi,

I am 61, my husband is 62. We will be divorcing this year. I have several questions.
He is eligible for SS but my ss will be higher. Can he apply for his ss this year then wait two years to switch and collect 50% of mine? Or is it 35% until I reach full retirement at 66? Or is he locked into his SS if he starts collecting now? If he collects mine when I am 62 is he locked into that rate or can his rate increase when I reach full retirement at 66?

Hi,