I turn 66 in February, 2018, and am still working full time. I don't plan on signing up for social security until I turn 70. My husband passed away in 2004. My question is whether I can start receiving his social security benefits when I turn 66 until I claim my own at age 70. I intend to continue working. I was told by Social Security that I make too much money and cannot claim his benefits if I am working, only if I retire. Is this correct? Thanks so much!

Hi,

Hi Larry,
I am a widower, my wife of 26 years died at age 61 in 2009. I will be 66 on 12/20/2017, but don't plan on retiring until I am at least 70. I have a 401K through my job and would like to save more into my this account before I retire; my plan is to start collecting my deceased wife's SS when I reach 66 and have an equivalent amount deducted from my check for my 401K. At 66 how will by current earnings affect the amount I receive from my wife's SS? Will I get her full benefits until I am 70?
Thanks,
Eric

Hi Eric,

I will be 61 at the end of this month. My husband passed away 14 yrs ago at age 42. We were married for 14 yrs. We have a son, now 25, who is autistic, lives mostly independently in special housing, receives survivor benefits. I have made a reasonably good living in medical sales. Business of late has not been good for the company and due to some unrealistic expectations I worry my job may be at risk. This could possibly happen just before the holidays, a difficult time to find jobs. My questions are:

I'm 63.5 now, my wife is 5 yrs younger then I am. We are both going to retire in 1 yr. We have IRAs to live on and suppliment our pensions and social security. We expect to spend $20,000 more each year in retirement. I've accounted for health insurance in these numbers. I am planning to start collecting ss at 70. Our current thoughts are for my wife to start collecting ss at 62. We own 2 homes (St. Louis & Denver) and have no debt. After using up the IRAs we'll still have approximately $300,000 in Roths that we don't expect to ever touch.

My husband was 63 in oct and i will be 57 in Feb. We have both retired from nc public schools with a pension. He retired two years ago and i just retired in July 2017. I made $500 more a month than he did because i was a administrstor.

the wife and I will both be 66 in 2018
wife is now on SSDI
when we turn 66 can I apply for a spousal benefit
and then switch to my own benefit at age 70?
I am hearing different answers but thought people born in 1953 and before could still do this switch
or does the wife taking SSDI before age 66 rule this option out for me?
thanks!

Hi,

Larry,
I turned 66 on 10/02/17 and my ex-wife turned 67 on 10/09/17. We were married for 11 years, had two children, and divorced in 1986. I remarried, but she never remarried. We both had long careers and both contributed to social security for many years.
My current wife and I have been married for 30 years and have three children. She was born 6/7/63.

My wife and I are both soon turning 65. My DOB is 11-1-1952, my wife's is 12-17-1952. I am planning to continue working until age 70, and my wife may stop a couple of years before that. Would my filing for a restricted application for spousal benefits next year (when my wife turns 66) be the best option for us, and how does this work. I do understand that an error on our part in the application process can be a very expensive error indeed, so we want to make certain we get it right.

I am now receiving Widow beneficiary of my late husband is $1344 a month , and is 65
Years old , and just working full time last September, 2017 , with gross pay is $1500 a month . But this month My benefits has changed for retirement benefits.
Do my benefits deduction on ? And have my SSA check increased when I pay for Social security, Federal tax and Medicare withholding by my employer?
Thanks .

Hi,

I am 63 and my husband and i had been married 35 years when he passed away. My question is, am I able to begin collecting my SS now and then at 66 (full retirement age) will I be able to switch to my deceased husbands SS.? His is more than mine. Thank you for your reply.

Hi,

I'm sorry for your loss.