Social Security Benefits

Full question: I will be 65 in February 2026. My spouse died fifteen years ago at age 54. Can I take a spousal benefit through Social Security at age 65 and then survivor benefit at full retirement age? My spouse’s benefit will be considerably more than mine. I earn 32,000 annually. Thanks. Hi there, If…

Hello, Having less than 40 quarters of credit means that your wife has not yet met the minimum threshold for her own Social Security retirement benefits, which requires 40 credits (typically 10 years of work). However, she may still be eligible for spousal benefits based on your Social Security record if you are receiving retirement…

Full question: My husband is 77 and 14 years older than me. He started collecting his Social Security benefits at 62. I am 63.5. Would it be more beneficial to collect my Social Security now so our household has 2 Social Security checks? How would this affect my survivor’s benefits? He earned more than me….

Full question: Will I get 50% of my ex-spouse’s Social Security along with my own Social Security when I reach FRA if I care for his DAC? Hi there, Thank you for reaching out with your question. If you are caring for your ex-spouse’s disabled adult child (DAC), you may be eligible to receive benefits…

Full question: I plan on taking Social Security next year at age 70. I am divorced. I was married to my ex for 12 years and have not remarried. I have worked 44 years. If ex’s Social Security amount is larger than mine will I be entitled to that amount? Thank you. Hi there, Thank…

Full question: May I file for a Social Security benefit against my ex’s record and delay my own benefit filing until age 70? I am single, age 65 and my ex is also 65. Hello, Unfortunately, no. You cannot file for ex-spousal benefits and delay filing for your own retirement benefits until age 70. The…