Hi, I am 61 housewife, and I have been married to a man 25 years older than myself for 30 years. We have 4 children. I have not made enough income in my lifetime to qualify for very much social security. I have declared income of $47,000 for the past two years. My husband's mental and physical decline is getting worse. I need to know what the best plan for me and my fourth child are going forward. We have asked for help from Social Security and they answer the questions differently each time. I am very interested in the $250.00 consulting program. Thanks, Catherine

Catherine, assuming your husband has filed for his retirement benefit, the children can receive children's benefits up to age 18 or the time they graduate high school, but not past 19. There are also child-in-care spousal benefits available up to the time the children turn 16. Your maximized strategy might involve these if the children's ages make them available. To know for sure, you can run the $40 software and if you'd like more feedback you could consider purchasing the Expert Review. Thanks, John