Full question: If I am still working and my husband is retired collecting Social Security what is the advantage/disadvantage for me to apply/collect spousal benefits now? Hi there, If you are still working and are younger than your full retirement age, you will be subject to the earnings test threshold if you are collecting Social…

Full Question: I am divorced born after 1954, and was married for more than 10 years. My ex-spouse has remarried while I have not, and while I do have some earnings to claim, claiming as an ex-spouse will provide the higher estimate. My concern is that while I have reached FRA, my ex-spouse won’t for…

Hi there, Ex-spouse benefits are based on your ex’s primary insurance amount (PIA), the amount they would receive at their full retirement age (FRA). You may contact the SSA to find out what your ex’s PIA is by providing the information needed to verify your marriage to, and divorce from, the individual. For personalized assistance…

Full question: How long does it take Social Security to accept/process a “Request for Withdrawal of Application”. It has been a month since I had the application processed. Hi there, It is difficult to know how long it takes for your withdrawal application to be approved after it has been submitted, but you do have…

Full question: Hello, I just turned 58, divorced, and totally disabled. Before my divorce was final, I was receiving SSI. In the divorce, I won the 401k which put me over asset limit and the SSI stopped. The 401k is all I have for the rest of my life. Is there a way for me…

Hi there, Yes, if eligible for both your own retirement benefits and survivor benefits, you may collect one benefit (even if it is a lower amount than the other benefit at the time you are collecting) and later switch to the other. This will allow a retirement benefit to increase all the way up to…