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.
What happens if I switch from survivors benefits to my retirement benefits?
Full question: If I switch from survivors benefits to my retirement benefits (age 67), what happens to the remaining unused survivor benefits? Hi there, When a retiree switches from a survivor benefit to their own retirement benefit, the survivor benefit will no longer be paid unless it is higher than the retirement benefit. If that…Read More
When is the best time to get RSSA advice on retirement and Social Security?
Full question: When is the best time to get RSSA advice on retirement. I’m disabled and 62, my husband is 67 but plans on working until 70. Hellol, It is always best to consult with an RSSA sooner rather than later! Reason being is that you would not want to miss out on benefits if…Read More
How is Social Security impacted by a non-covered teaching pension?
Full question: I have a client who is taking his Social Security at 70, this May. He has worked in the STRS system in Ohio, along with paying into Social Security in the private sector. His statement says $3788/month. He is currently receiving $7600/month from STRS. His wife has not accumulated her 40 quarters. Will…Read More
How do I determine what my Social Security amount would be now?
Hello there, Social Security benefits are based on your highest 35 years of indexed earnings. You can find a benefit estimate on your Social Security account, but for more accurate results you can calculate your earnings. If you need assistance finding out what you will be eligible for and any rules that may impact your…Read More
Can my spouse collect spousal benefits if I am collecting a non-covered foreign pension and U.S. Social Security?
Full question: Having worked 32 years France and 7 years in the US, I am getting small US Social Security benefits ($600) and my foreign pension from France. Can my wife apply for SSA benefits as a spouse (which means she could get up to 50% my benefits, or $300), and would my French pension…Read More
Can I supplement my income by working past the age of 70?
Hi there, Yes, you can work past the age of 70 to supplement your Social Security income. Working past age 70 may or may not affect your Social Security income. Depending on your income, your Social Security could be subject to federal (and state, depending on where you live) taxation. Your future income even has…Read More