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Social Security Q&A: Will a Spousal Benefit at 62 Reduce Later Benefits?

Question: My wife and I are 62. She is retired and is entitled to only a few thousand dollars a year. I’m still working and my benefit is the maximum individual benefit. I plan to ...
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Social Security Q&A: Why Can’t I Claim Unreduced Retirement Benefits at 58?

Question: I am fully vested and completed all required quarters into the Social Security system. After 36 years of employment, I am fortunate to be retired and receiving my monthly ...
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Social Security Q&A: Why Do My Benefit Estimates Decline After Retiring Early?

Question: I worked most of my life starting in 1976 and decided to retire in 2011 at age 52. I have been living comfortably since then with income from investments and rental properties. ...
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Social Security Q&A: Will My Retirement Benefits Be Reduced If I’ve Stopped Working?

Question: I’m 64 years old. My husband is 48 years old. We plan on quitting our jobs in March of 2015 and bicycling for two years. I will turn 66 in August 2016. I plan on taking ...
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Social Security Q&A: How Can I File When My Terminally Ill Spouse Passes Away?

Question: I am 62 and started collecting my Social Security retirement in July 2014. My husband is 60 and started receiving Social Security disability in September 2014. (He was diagnosed ...
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Social Security Q&A: Won’t My Benefits Decrease if I Don’t Work Past 61?

Question: Question: I have worked all my life and made big bucks. I recently lost my job and am almost 61 years old. My husband is already on Social Security but I will get more than ...
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Social Security Q&A: Does Deportation Disallow Collecting Benefits?

Question: I was deported from the United States in 2007 after 45 years of being a permanent resident. Okay, I made a few mistakes. Now I’m 66 years old and would like to get my pension ...
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Social Security Q&A: Can I Claim Retirement and Survivor’s Benefits?

Question: My husband passed away when I was 60 years old. I was not working that much when he died. I started taking my survivor benefits then, and still do. Can I take my own benefits ...
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Social Security Q&A: Can I Really Increase My Benefits after 66?

Question: I don’t see where the extra 8 percent comes from if you wait until 70 to collect Social Security if you quit working and have no income from age 65 until that time. The ...
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Social Security Q&A: How Should a Higher and Lower Earner File?

Question: My husband is three years older, and he plans to retire in two years at age 65, and I plan to retire at 62. I have had the higher income for many years. My Social Security ...
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