My husband began taking SS at age 62 in 2005 for $1562 per month. I will be 67 in May 2019 and am a high wage earner so my benefit would be $3202 at age 67 I beleive. Can he change his benefit to a spousal draw if I file and suspend so I don't draw until age 70?

Hi,

I will be 62 later this year and am retired. My husband who is 59 is currently receiving SSDI and his benefit amount is close to what his FRA benefit amount would be. We have enough money to live on and both have IRAs, liquid cash, and I receive a pension in the form of a monthly annuity. Should I take early SSI benefits or wait until my FRA or age 70?

Hi,

Hi,

Hi Larry,

My wife and I are 60 years old (just turned in March and February respectively in 2019). our SSC benefits at 62, and FRA are as follows: 62: wife = $1,069; myself = $2,137; FRA: wife = $1,520; myself = $3,040. Can my wife claim her benefit at 62 of $1,069 and when I retire at FRA claim half my benefit ($1,520) as a spousal benefit at 66 years and 10 months. In other words her SSC benefit will increase from her workers benefit to a spousal benefit? She is working part time now and earns about $15,000 as a RN working a few hours a week.

I was married to my ex-husband for 14yrs. My ex-husband passed away in 2010. ( age 54) I was thinking about retiring on my husband social security benefits in 2020 ( my age will be 64) and waiting to file for my benefits at age 70. I was wondering will I get his full benefit or will this be a good idea or wait until his full retirement age which would have been at 66 ( year 07/2023). He never file for his benefits.

Thank you in advance.
Annette

Hi Annette,

Larry -

If I turn 70 on Oct (1st-10th of the month), and my wife turns 70 in January (10th - 20th of the month) - when should we sign up for Social Security benefits to Maximize our Social Security and also not have Social Security office staff do a 6 months retro on our monthly benefits. Thanks

Hi,

I am tuning 66 next week. I fileled for my ss 2 weeks ago I am a widower for many years. just found out I could have been receiving my wifes acct for last 4 years . my amount is 1250.00 per month.. hers is about 800.00 per month..Confused should I take hers till 70 or just take mine now??

Hi,

I just finished your book but have a couple questions related to spousal SS. My wife will be 62 in a few months and I will be 64. I am the higher earner of the two by quite a bit. My question(s) are. 1). If she starts drawing at age 62 she will get 70% of her full retirement benefits. I don't plan on drawing until age 70. If she does draw at age 62, when I start drawing is she limited to 70% of what she normally would get since she started early? 2) if I get to normal retirement can I draw on her as a spousal until I reach age 70 when I draw on my own?

Hi Larry,