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Your Social Security Questions Answered

Read answers to reader-submitted Social Security questions from Martha Shedden, NARSSA’s Co-Founder and Chief Learning Officer, and her team of experts. Submit your own question to Martha here.

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Can I receive a spousal benefit if I have a German pension?

Full question: I am English and live and work in Germany. I was married to a US citizen for 33 years. Will I be entitled to 50% if his social security when I retire at 67 ( 7 years from now) . I will receive a Small German Pension based on my mandatory contributions. Hi…

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My ex-spouse recently died. Can I switch from ex-spousal benefits to survivor benefits based on his record?

Full question: I received my ex-husbands social security until mine was more than what I was entitled to with his. He died a few months ago and my disabled adult child got an increase in her social security. Am I allowed to collect survivor benefits since she lives with me and I take care of…

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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…

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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…

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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…

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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…

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