Full question: My wife will be able to start her minimal Social Security benefits January 2025. If she does so can she switch to spousal benefits when she reaches full retirement age? And will those spousal benefits remain 50 percent of my FRA benefits or be reduced because of her earlier start? Hi there, This…

Full question: My earnings on Social Security website show zero earnings even though taxes were with held from paycheck. How do I get this corrected? Hi there, You can submit past income tax filings and/or paychecks to the SSA to have those years updated. There are some restrictions on how far back these corrections can…

Full question: Does my younger spouse need to wait for her FRA in order to claim my benefit as surviving spouse? She will claim early at age 62 in 2031 while I am waiting to claim at age 70 in 2025. Hi there, If you were to pass away prior to your spouse claiming her…

Full question: Is it misleading to say that you receive an 8% increase in benefits for each year you delay? 8% appears to be an average, but the actual annual increase is much less than 8%, according to my actual account. Hello, The 8 percent increase per year only applies to the years from full…

Full question: How do I find out how many quarters I need to fulfill my 40 and know what the benefit might be to decide if I want to get a part time job to get there? Hi there! You can contact the Social Security Administration in several ways to obtain this information. If you…

Full question: Hello, I am a widower currently collecting survivor benefits. I turn 66 in March 2024, and are contemplating collecting my own benefits instead of the survivor benefit. When am I eligible to get full benefit? Thank you Hello, If you were born in 1958 your full retirement age (FRA) is 66 and 8…