Full question: If I apply for Social Security at FRA, can I get half of my wife’s Social Security and let mine grow? She is 6 years older. Hi there, Unfortunately no, you cannot claim a spousal benefit and later switch to your own retirement benefit. When you apply for benefits, the SSA looks at…

Hi there, I am assuming you are asking about switching from a survivor benefit (based on your deceased spouse’s earnings record), not a spousal benefit (based on your living spouse’s earnings record.) If your own retirement benefit is a greater amount than the survivor amount, you should contact your local SSA office to make this…

Full question: I’m POA for my father, am looking for a private / paid SS Consultant to help my father continue to collect my stepmother’s SS as SI or CSRA he’s dependent on that income. Hi there, I think you may be looking to set up a Representative Payee with the SSA for this service….

Full question: Two years ago, I left my job and took an early retirement with pension due to muscular dystrophy. My pension is half of what I made monthly when working and considered going back to work. I am at a point in my life due to my disease that I’m not able to go…

Hello, ROTH IRA funds are tax-free when withdrawn from accounts so are not included in the calculation of any income tax. They are therefore also not part of the calculation used to determine taxation of Social Security income. I hope this is helpful. Take care, Martha

Full question: I pay a cleaning lady to clean my Airbnb. She does not report the income, afraid she will lose her Social Security she gets for her disabled child. Who can she speak to about what she can/cannot earn? Hi there, I am not sure how old her disabled child is and if they…