Social Security Benefits

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If I am still working and file 1099, what’s the best route to still pay into Social security?

Hello, Thank you for reaching out with your question about paying into Social Security while working as a 1099 independent contractor. As a self-employed individual filing a 1099, you are responsible for paying Social Security and Medicare taxes through self-employment taxes. This is done by filing an IRS Schedule SE (Form 1040) to report your…

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Can I apply for spousal benefits once my husband’s SSDI converts to Social Security retirement benefits at his FRA?

Full question: I have a question regarding drawing on spousal benefits. Here is our scenario: My husband became eligible and started drawing on SSDI at age 61 in December 2021. He will reach FRA age in Sept 2027. (DOB Sept 1960). This is when his SSDI will convert over to SS retirement benefits. As a…

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Can I file for ex-spousal benefits and not file for my own? What will be ex-spousal benefit be?

Full question: I am divorced over 10 years now. I am 65 divorced, single and my full retirement will be Nov 2027 and I have not filed for Social Security as of yet. My ex spouse will be 62 in Sept 2025. I meet all the required for ex Spouse benefits. Question 1 can I…

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Can my husband collect spousal benefits now and switch to his own at age 70?

Full question: My husband and I are both retired. He is 68 and I am 62 and his salary has always been significantly higher than mine resulting in a higher benefit. I am planning on filing for Social Security this year at age 63 in July 2025. Can he file for spousal benefits? My husband…

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How do I switch from survivor benefits to my own?

Original question: How do I switch to my Social Security benefits as I’m currently receiving my late wife’s? Hello, If you are currently receiving survivor benefits and wish to switch to your own retirement benefits, you will need to apply for retirement benefits separately. This can be done online, by phone, or in person at…

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Why was I denied survivor benefits?

Full question: I started my SS at 62, my ex-husband passed away. We were married 10 years. I was denied survivor benefits. Hello, Based on the information provided, as you were married to your ex-spouse for over 10 years and have started collecting your own Social Security benefits at 62, you should be eligible for…

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