How will my Social Security benefits impact my husband’s benefits and vice versa?
Full question: I retired at 60 and will collect Social Security at 62. My husband will retire at 65 and collect Social Security then. This will occur in the same calendar year- me in September and him in December. Will there be any impact on the other when we each retire? During our working careers,…Read More
I have been married and divorced to the same person twice. Does the SSA require that the ten years be consecutive?
Hi there, The short answer is “yes, sort of!” The “consecutive” part means that the two time periods of the marriages must be in existence in each of the 10 or more consecutive years. Therefore, the second marriage must start within the 12 months after the first divorce. Social Security does require that two people…Read More
Can my wife and I use the restricted application filing strategy?
Full question: I was born in 1953 and my wife was born in 1958. I would like to wait to start collecting until age 70 in 2023. Can we use the restricted application filing strategy? Hi there! Yes, you may be able to use this claiming strategy. Since your wife is 62 in 2020, she…Read More
I’m 63 and my husband is 65. Can I qualify for Medicare based on my husband’s age?
Hi, No, not at age 63. Medicare is available for people age 65 or older and is comprised of two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance). You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for…Read More
Will marriage impact my future spouse’s benefits?
Full question: I was previously married for 28 years, but am now single, age 67 and collecting Social Security. If I marry a 69-year old lady, who is also collecting Social Security, will her benefit amount change? Hello, Her benefit may change if the spousal benefit she would be eligible to collect is greater than…Read More
If my partner and I, both in our late sixties, get married, will that impact our Social Security benefits?
Full question: Hi. My partner and I have been together for over 7 years, but we are not married. I am 64 and plan on collecting Social Security next year at 65. My partner is 69 and already collecting Social Security. If we decide to get married, will this impact our benefits (negatively or positively)?…Read More