Social Security Q&A: Why Can’t I Start Spousal Early and Delay Retirement Benefits?
Question: My husband is 10 years older than I am; he started collecting his Social Security at age 62. I was a stay-at-home mom for 20 years, but I have earned a small Social Security ...
Social Security Q&A: Should My Sister Wait to File on Her Ex’s Record?
Question: My sister Stephanie was married more than 10 years but divorced in mid-life. She originally worked as a licensed practical nurse before marriage and children. She worked ...
Social Security Q&A: Should We Buy Annuities to Supplement Social Security?
Question: My wife and I are in our early 40s. We both earn more than the annual contribution/tax limit and expect to receive similar payments in the higher range of whatever payments ...
Social Security Q&A: When and How Much Can I Collect in Survivor’s Benefits?
Question: I am 62 years old and unmarried. My husband died many years ago. I was told I can collect survivor benefits now, but I cannot make more than $18,000 per year otherwise the ...
Social Security Q&A: Can My Wife Get Full Spousal Plus Reduced Retirement?
Question: I’ve read a gazillion Social Security questions, but I don’t think I’ve seen this unusual one: My wife, two years older than me, filed for her SS at age 62 (with FRA ...
Social Security Q&A: What Survivor Benefits Are There for Children and a Spouse?
Question: I will be 57 this August. My husband of 28 years who is considerably older, started taking his Social Security benefits at 62. We have two children, a 26-year-old autistic ...
Social Security Q&A: Do I Have to Stop Spousal Benefits for My Wife to Start?
Question: Do I have to stop taking the spousal benefit on my wife’s record and file for benefits on my record in order for her to collect spousal benefits on my record? I’ve ...
Social Security Q&A: How Will An Early Retirement Benefit Affect a Spousal Benefit?
Question: Since my wife took an early benefit at age 62, when she files for a spousal benefit on my record, it will not be 50 percent of my benefit. What will be her eligible percentage?
Answer: ...
Social Security Q&A: Should I File and Suspend Before Collecting Spousal?
Question: Here’s some background for you: my wife and I are both 66 and fully retired. I was the higher earner, maxing out on my Social Security benefit projection. My wife took ...
Social Security Q&A: Can I Use Breakeven Analysis for When to File?
Question: While my wife has started her benefit already and I plan on deferring taking my benefit, I’ve looked at break-even points using various ages to start collecting. It would ...
