Full question: How do I switch to full benefits? I turned 70 in December. I’m still employed and collecting spousal benefits from my wife who is 76 and retired on June 2023. Hello, Good question! You should do this as soon as possible since your retirement benefit amount reached its highest value due to delayed…

Hi there, No, they are not different. I am assuming you are asking about reaching full retirement on SSDI and having that benefit converted to a retirement benefit. You should not see any change in your Medicare. But it is wise to verify as you transition just to make sure. Best of luck, Martha

Full question: Hello, I am a widower currently collecting survivor benefits. I turn 66 in March 2024, and are contemplating collecting my own benefits instead of the survivor benefit. When am I eligible to get full benefit? Thank you Hello, If you were born in 1958 your full retirement age (FRA) is 66 and 8…

Full question: My wife started collecting her Social Security at 65, I started at 70. She is asking if she can switch to collecting under my SS benefits now or do something else to increase her monthly benefit. We have been married 42 years. Hi there, If the amount of spousal benefit your wife is…

Full question: My husband died in August 2023. Am I eligible for his retirement when I reach FRA? Also would I be eligible for survivor benefits at FRA? I am still working and my husband was receiving Social Security benefits. Hi there, The benefit received after a spouse has died is a survivor benefit. Survivor…

Full question: If I am still working and my husband is retired collecting Social Security what is the advantage/disadvantage for me to apply/collect spousal benefits now? Hi there, If you are still working and are younger than your full retirement age, you will be subject to the earnings test threshold if you are collecting Social…