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Social Security Question
Posted on 6/1/18 at 6:58 pm
Posted on 6/1/18 at 6:58 pm
My FA told me she thinks my wife can draw SS now, at age 60, since I’m 62 and drawing mine. I’ve NEVER heard that....anyone else?
4
Posted on 6/1/18 at 8:16 pm to RedShirt
I recently heard of a woman that is 59 and plans to start drawing on her husband’s SS when she is 60, but he has died. Prior to that I thought you had to be 62. I do not know if the widow can draw at 60, or if her husband being dead is even a factor.
I’m sure you can find the correct answer on line.
I’m sure you can find the correct answer on line.
This post was edited on 6/1/18 at 8:17 pm
Posted on 6/1/18 at 8:22 pm to RedShirt
Social security website ssa.gov I think
Posted on 6/2/18 at 12:08 am to Pussykat
Can both you and your spouse draw SS benefits at age 62? Or only one of yall can draw?
This post was edited on 6/2/18 at 1:42 pm
Posted on 6/2/18 at 12:44 am to RedShirt
Though no longer available; an SSI eligible spouse could file and suspend benefits, and let the other spouse receive his/her spousal benefit.
I’m not sure how old the secondary spouse has to be but it does ring a bell that the 2nd spouse could do this earlier than 62.
But again, this strategy is no more so I think that’s incorrect.
I’m not sure how old the secondary spouse has to be but it does ring a bell that the 2nd spouse could do this earlier than 62.
But again, this strategy is no more so I think that’s incorrect.
Posted on 6/2/18 at 7:08 am to RedShirt
Posted on 6/2/18 at 1:42 pm to TigerGrl73
Can both spouses draw SS at age 62 or is there only one spouse in the family that can draw?
Posted on 6/2/18 at 1:48 pm to Double Oh
Generally speaking, both.
Posted on 6/2/18 at 2:28 pm to Double Oh
Both. If you both qualify; i.e., paid into the system for the minimum quarters, both can draw on their own work record.
If one does not qualify then that person can draw on their spouses work record. The amount they draw is ~ 50% of the qualifying spouses amount. It all depends on if you begin to take SS early or wait until full retirement age which is 66 plus depending on your birth year.
Talk to the folks at the SS office or create an account on line and look at your personal documents.
Click on the link that TigerGrl posted. The basic answer is in the first paragraph.
If one does not qualify then that person can draw on their spouses work record. The amount they draw is ~ 50% of the qualifying spouses amount. It all depends on if you begin to take SS early or wait until full retirement age which is 66 plus depending on your birth year.
Talk to the folks at the SS office or create an account on line and look at your personal documents.
Click on the link that TigerGrl posted. The basic answer is in the first paragraph.
This post was edited on 6/2/18 at 2:41 pm
Posted on 6/2/18 at 2:50 pm to nctiger71
quote:
Both. If you both qualify; i.e., paid into the system for the minimum quarters, both can draw on their own work record.
If one does not qualify then that person can draw on their spouses work record. The amount they draw is ~ 50% of the qualifying spouses amount. It all depends on if you begin to take SS early or wait until full retirement age which is 66 plus depending on your birth year.
Talk to the folks at the SS office or create an account on line and look at your personal documents.
Click on the link that TigerGrl posted. The basic answer is in the first paragraph.
Yes we created accounts online a couple years ago. But for some reason my wife keeps on saying that only one spouse in the family can draw. We are both eligible as far as benefits go.
Posted on 6/2/18 at 9:31 pm to Double Oh
Perhaps she is thinking about the restrictions on the amount of SS funds you get if you earn too much from working.
If you take SS before your full retirement age and are still working there is a restriction. The amount you can earn is not a lot before the restriction is applied. It is a little complicated as you don’t actually lose benefits; I think they are just delayed.
Or maybe she just wants you to keep working and out of the house. ??
If you take SS before your full retirement age and are still working there is a restriction. The amount you can earn is not a lot before the restriction is applied. It is a little complicated as you don’t actually lose benefits; I think they are just delayed.
Or maybe she just wants you to keep working and out of the house. ??
Posted on 6/3/18 at 12:30 am to nctiger71
quote:
Perhaps she is thinking about the restrictions on the amount of SS funds you get if you earn too much from working.
If you take SS before your full retirement age and are still working there is a restriction. The amount you can earn is not a lot before the restriction is applied. It is a little complicated as you don’t actually lose benefits; I think they are just delayed.
Or maybe she just wants you to keep working and out of the house. ??
No for some reason she got it in her head only one of us can draw on SS but i think shes wrong. i looked it up and we can both draw SS.
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