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.
Is there an income limit if my spouse applies for spousal benefits?
Full question: Is there an income limit if spouse age 63 applies for spousal benefits from spouse who is also 63 receiving disability SS? Hello, Yes, the income limits for 2023 are $21,240 and $56,520 and above those limits, all benefits would begin to be reduced. If you are looking for more personalized advice, you…Read More
Will my two adult disabled children qualify for benefits from my earnings record?
Full question: I have two adult disabled children, both were born with disabilities. I’m getting close to retirement, will they be eligible to receive benefits from my earning record? Hello, Children who are disabled before the age of 22 may be eligible to receive benefits, but the disabilities have to be recognized by the Social…Read More
I am collecting retirement benefits. Do my benefits increase since I am still working and paying taxes?
Full question: Do my retirement benefits increase because I am still in the work force and therefore still paying taxes? I am 67 years old, receiving monthly Social Security benefits and still working. Hi there, This is a great question. If you have already begun receiving your Social Security benefits you may still increase your…Read More
How do I switch from survivor benefits to my own retirement benefits?
Full question: I have active survivor benefits, will be turning 70 in March 2023 and would like to transition to retirement benefits, preferably online, need details on process. Hi there, The process of switching from a survivor benefit to your own retirement benefit can be completed in two ways, online or with the help from…Read More
Can I collect spousal benefits now and switch to my own benefits later?
Full question: Can I collect my ex husband’s Social Security now at age 66. We were married 20 years. Then switch to mine at 70 years old to get the most I can get? Hi there, Unfortunately, the answer is no. The “restricted application” in which you can take a spousal or ex spousal benefit…Read More
My wife filed for spousal benefits, but our address is in Germany. What should I do?
Full question: My wife and I filed for her Spousal Benefit from our address in Germany (She is a German citizen). I am back in the USA for a period of time, and want to take her very difficult to replace Birth Certificate in to an SSA office. The initial claim for her benefits was…Read More