Hello, We recommend that you contact your local SSA office which you can find here. Then set up an in-person meeting or phone appointment. Contact them several months prior to your 70th birthday. Best of luck, Martha

Full question: I’m past full retirement age and still working full time. I’m turning 69 next spring. Will I get the COLA increase from last year? Hi there, Yes! When you turned 62 you started having the COLA applied to your benefit, regardless of if you were collecting or not. So yes, you will continue…

Full question: I am divorced. I have a child on SSI who lives with me. Recently her mother applied for her Social Security retirement and we were notified we could apply for SSDI. I am eligible for SS Retirement, but have not yet applied. If I apply will my daughter receive SSDI benefits on both…

Full question: Hi Martha. I’m a 62 yr old woman married 25 years. Divorced little over 10 years ago. Ex husband is 80 retired at full retirement age with max benefits. Neither of us remarried. His earnings much higher than mine. When is it best for me to apply for SS benefits now or when…

Full question: My ex husband of 23 years is disabled and collects SSDI. I am single and have been caring for our disabled son solely since he was born and became his legal guardian when he turned 18. He is now 30 and still living with me, under my care. Since I am caring for…

Full question: Hello, I was told by an RSSA expert to begin my benefits in Jan. 2024 to avoid being penalized, and possibly losing out on, benefits. I work part-time but my monthly earnings are roughly $3k and the ceiling is around $1770. Should I begin benefits in Jan. 2024 where the first check would…