Full question: I am 70 and deferred claiming until now, receiving my first check this month. My wife turns 62 this December and we’re trying to determine whether to claim hers at that time or how advantageous it might be to have her wait until 67. Not sure how the spousal benefits rules impact this….

Full question: (I am an American citizen) Is it fair that I paid into Social Security and obeyed the rules while working in the USA until I came to Portugal and began working here where I then paid into Social Security here and obeyed all the rules? My pension original pension from the states was…

Full question: I currently receive Survivor benefits and I’m wondering what my own Social Security benefit would pay. I am 65 and full retirement age is 66+4. Should I wait until I’m 70 to collect my own and will I ever be able to collect 100% of deceased husbands? Hi there, If you are collecting…

Full question: Is there a strategy if you have both Railroad retirement credits, my case 13 years’ worth and about 27 years of Social Security credits. Turn on one before or at FRA then switch to the other to get the delay credits from Social Security? Hello, Railroad Retirement and Social Security can be very…

Full question: I receive Social Security because it is more than Railroad Retirement. Is it wise to switch over to Railroad Retirement like my husband- he is an RR retiree? Hi there, The Railroad Retirement and Social Security can be very situational. Meaning that depending on your situation, the answer may change. In some cases,…

Full question: My mom (68 years old) is receiving survivor benefits and is in the process of selecting an annuity option from TRS. She doesn’t have 40 credits and paid into TRS only. We’ve been prepping and searching for answers on IF and how a partial lump-sum option affects the government pension offset, GPO. Do…