Full question: When I retired in October 2019, I applied for spouse’s benefits at that time which would continue until age 70. I turned 70 on October 29, 2023. How do I make the change from collecting spouse benefit to my own benefit. Thank you for your assistance. Hi there, We recommend that you contact…

Full question: I’m 72 and work full-time and took my Social Security benefit at FRA (age 66). My employer continues to deduct OASDI from my paycheck. Does the income I earn count toward my PIA calculation? Can my benefit increase if current income replaces a lower earning year? Hi there, Yes, to both of your…

Full question: I am 62 (January 1962) and my spouse is 69 (March 1955). I am still working and doing quite well (>175K per year). She has not started withdrawing her SS yet. How is her portion determined on my SS when I have not retired yet? Is she better off receiving the 130.67% at…

Full question: My husband got sick and was only given 1 years worth of disability pay. He hasn’t been able to go back to work for 4 years now. He got sick and his company closed for good during the pandemic. He have a pension plan. Is it wise to take the pension plan benefits…

Full question: I want to work and collect Social Security. My FRA is August 2026. I need to make $700 per month over the $1,860/month limit because I need to cover medical benefits for my husband and myself. That equals $350/month penalty. How many security checks will be withheld to offset the penalty? Hi there,…

Full question: I work pastime. I am receiving SS retirement. They take out SS every payday. Will this be added to my benefits at the end of the year? Hi there, It sounds like you are affected by the earnings test, which applies to those who are 1. Younger than their full retirement age, FRA,…