I am 64 and been on disability for 16 years and I am thinking of getting remarried to someone who is 69. I was married previously for 10 years and my ex-spouse passed 2 years ago. My question is should I wait to pull the widow benefits at age 66 granted that they are higher than my current benefit? My next partner pulled social security benefits at 62 so there are no spousal benefits they are entitled too if I was to get remarried. In addition, there benefit is 500 dollars lower than mine so I was thinking of getting remarried so that they could receive widow benefits.

My wife is 72 and gets $400 a month SS. I am 60 and still working and plan on working till 65-67. My SS says if I keep working as I am till 67 I will draw almost 2,700 a month. I am getting almost $800.00 a month military retirement. Any thots ? Should I have her draw spousal benefits when I'm old enough for her to? I don't think she can right now. Those will be our only income. Total $ amount to be debt free is $35,000. $30,000 of that is on my mortgage. I'm trying to learn more about retirement but it's really confusing. Thank you so much
David

Larry,
I am 68 years old ( dob 3/2/1949)and have been collecting my full benefits since I turned 66. I will continue collecting and not "suspend". I am working part time in my business , which will be sold in about 2 weeks. My wife will turn 66 ( dob 6/15/1951) in June of 2017. She will be working full time until she is 70, and not collect SS until then.
Can she claim spousal benefits when she turns 66? We are very confused about this.I think it is called a Restricted Application ?
Thanks , Howard

Hi Howard,

I am single was born in 1951 and will turn my full retirement age 66 in January. I have not taken social security benefits. I am working and hope to work until I am 70 to maximize my social security benefit. My estimated benefit at 70 is now about $2400/ mo. My domestic partner was born in 1942 - at 74 he's been taking benefits since "a month or two" before his full retirement age. (We haven't yet looked to see exactly how early he started on Social Security.) His benefit is about $1000/mo.

My wife is 61 will be 62 in January...she worked for about 16 years. The company sold the business a few years back and she took early retirement collecting a pension. The company added to the pension and that will run out when she is 63. She file for ss under her work record. I am 61 and will be 62 in May. I plan to work till I am 70. Also I have been working lots of overtime and not sure how much longer the overtime will last. I figure I can make about an extra $100,000 in overtime till I am 70.

I was born 8/1951, my husband 12/1954, adopted daughter 8/2001. What is my best strategy to maximize my social security benefits? Thanks for your help.

Hi,

Your best filing strategy depends on a number of variables in addition to those mentioned in your question. You may want to consider running the maximization software available on this website, which has been specifically designed for this purpose.

Best, Jerry

I am 68 years old. I am a widow and have been receiving survivors benefits since age 60. I plan to wait until age 72 to file for my own beneftis. Is there a way to calculate my beneftis on line? May I apply for these benefits on line?

Hi,

My husband of 5 years is on social security disability. He is 56 years old,and I understand he will get the same amount when he retires. I am 61 and want to know if I can file SS and continue working to keep my insurance, and also to bring more income into our household..He made more $ than i did, can I get his SS if its more than mine? Also, I was married 25 years to a man that was also on disability, but i remarried when i was 54. He is now deceased. Can I file SS on his record? I want to work another 2 years....any help would b appreciated. Thanks!

Hi,

My wife is a retired teacher and not eligible for survivor benefits. If I retire at 63, I think it would make sense to go ahead and file for reduced benefits which would allow her to have more money left in our taxable and tax deferred savings if I should die first. I do get some survivor benefits from her retirement if she should die first. Do you agree?

Hi,

Quick question.... So I presented to you the following scenario....I turn 66 in February of 2017 & my husband turns 66 in November of 2017. He has been very successful & earns substantially more than I. We are both in good health and don't depend on social security for our future needs.Your suggestion ( and what I was thinking as well) would be for me to take my social security at 66 and for my husband o take his at 70 at which time I would apply for the spousal benefit. I have one further question now.