Your Questions Answered
Martha Shedden is RSSA’s President and Co-Founder. Read Martha’s responses to questions regarding Social Security. View all questions or browse by category. Submit your own question to Martha here.
I am caring for a disabled child. Am I eligible for ex-spousal benefits if my ex has not collected yet?
Full question: Can you draw disability Social Security off of ex husband that isn’t drawing yet and you are taking care of his disabled child? Hello, Thank you for the question about divorced spousal benefits. If you are divorced and were married for at least 10 years you may be eligible for ex-spousal benefits. If…Read More
We are dual US-UK citizens. What benefits are we eligible for under the totalization agreement?
Full question: My husband and I are dual US-UK citizens living in the UK since 1996. We are unable to forecast my husband’s retirement benefit, as the SSA online tools only provide for citizens who have earned a minimum of 40 credits and need to calculate WEP. In my husband’s case, he did not earn…Read More
I am getting conflicting information about foreign pensions from the SSA website and my local SSA office. Who is correct?
Full question: Hi, Martha, I understand that the WEP reduction for Foreign Pension cannot be more than 1/2 of the Foreign pension. That‘s even mentioned on the SSA website. Today, we went to our local SSA office and they said that the deduction up to 2/3s of the Foreign government pension. Who is correct –…Read More
I am 63 and caring for my adult disabled child. Can I collect ex-spousal benefits now without penalty?
Full question: I am 63 caring for my adult disabled child full time. My ex spouse, his father, is 62 (we were married 19 years). Am I able to collect on his work record right now without early penalty (he is still working, not retired) ? Would that be at the 50% divorced spouse rate?…Read More
Will my foreign pension lower my American Social Security benefits? What about my spousal benefits?
Full question: If my spousal SS benefit is higher than SS benefit based on own contribution (> 40 credit) would a foreign pension of a country with a totalization agreement lower US social security benefits? Hi, That is a great question. Generally speaking, foreign pensions do not affect Social Security spousal and survivor dependent benefits….Read More
Can I receive a spousal benefit if I have a German pension?
Full question: I am English and live and work in Germany. I was married to a US citizen for 33 years. Will I be entitled to 50% if his social security when I retire at 67 ( 7 years from now) . I will receive a Small German Pension based on my mandatory contributions. Hi…Read More