Full question: I’m an ex-spouse, age 70, caring for our adult child with developmental disabilities. I was married 9.5 years. Am I eligible for spousal benefits because of caring for our child with developmental disabilities? Hi there, Unfortunately, you are not eligible for ex-spousal child-in-care benefits because your marriage lasted less than ten years. However,…

Full question: I will be 70 in 4 months and will apply for benefits. I will continue having an income. What are the benefits from an RSSA consultation at this point? Hi there, You should apply three months prior to having benefits start at age 70. Your future earnings may raise your benefit amount if…

Full question: I married my husband in 1972, divorced in January 2000 and remarried in Sept 2000. Do I need to report both marriages when applying for spousal benefits? Hi there, You are not entitled to ex-spousal benefits since you are now remarried. Therefore, the previous marriage is not necessary to be reported when you…

Full question: My wife and I are canadian citizens. She worked across the border and is soon to be eligible for social security. We have been married for 35 years and I am wondering if I qualify for spousal benefits Hello, Yes, a Canadian spouse of a Canadian U.S. worker can usually claim Social Security…

Full question: My Social Security payments are reduced by a pension I receive from a school I worked for in the UK, which is outside the USA Social Security system. Will the Repeal of the Windfall Elimination Provision (WEP) affect my situation? Hi there, Yes, repeal of the WEP rule applies to non-covered foreign pensions….

Full question: My husband receives Railroad retirement. I elected to receive my Social Security due to being more. Will the new HR82 allow me to receive both with no penalty? Hi there, The Social Security Fairness Act, signed by the President on January 5, 2025, will end two statutory reductions for railroad retirees, their spouses,…