Full question: If I switch from survivors benefits to my retirement benefits (age 67), what happens to the remaining unused survivor benefits? Hi there, When a retiree switches from a survivor benefit to their own retirement benefit, the survivor benefit will no longer be paid unless it is higher than the retirement benefit. If that…

Full question: I have a client who is taking his Social Security at 70, this May. He has worked in the STRS system in Ohio, along with paying into Social Security in the private sector. His statement says $3788/month. He is currently receiving $7600/month from STRS. His wife has not accumulated her 40 quarters. Will…

Full question: Having worked 32 years France and 7 years in the US, I am getting small US Social Security benefits ($600) and my foreign pension from France. Can my wife apply for SSA benefits as a spouse (which means she could get up to 50% my benefits, or $300), and would my French pension…

Hi there, Yes, you can work past the age of 70 to supplement your Social Security income. Working past age 70 may or may not affect your Social Security income. Depending on your income, your Social Security could be subject to federal (and state, depending on where you live) taxation. Your future income even has…

Full question: I will collect Social Security at 62 as an ex-spouse. 50% of his full benefit will be about $1900. I know typically it would be reduced for filing early, but I read if you have minor children, it is not reduced. Is that true? Also, I have 2 minor children. What number will…

Full question: After filing for Social Security at age 63 and receiving 5 payments, I received a letter from Social Security saying I needed to pay the money back because I would make too much. Am I required to pay that money back, if so, why? Hello, If you began collecting before your Full Retirement…