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Can I collect a survivor benefit now before collecting my own benefit at 70?

Full question: I’m 67 and my financial advisor is working with me to delay collecting until age 70. My wife was collecting Social Security since 2018 until her passing two months ago. Can I claim surviving spouse benefits until 1 turn 70? Hi there, Yes, since you are over the age of 60 and your…

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Can my wife apply for Social Security at age 62?

Full question: My wife is 57. If she applies for Social Security at age 62 will she get the higher of her SS benefits or 50% of mine (age 68). Also the 3:1 restriction before FRA – that amount will be added at FRA – so a person does not lose it – but it…

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What will my wife’s spousal benefit be?

Full question: Hi Martha, I started my Social Security at 62 (am now 63) and took the reduced amount. My wife (62) is considering applying for spousal benefits as she has not contributed much to Social Security. Does she qualify for half of the full retirement benefit that I would have received at 67 (minus…

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Will my younger spouse need to wait until FRA in order to claim my benefit as surviving spouse?

Full question: Does my younger spouse need to wait for her FRA in order to claim my benefit as surviving spouse? She will claim early at age 62 in 2031 while I am waiting to claim at age 70 in 2025. Hi there, If you were to pass away prior to your spouse claiming her…

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Is it true that you receive an 8 percent increase in benefits for each year you delay?

Full question: Is it misleading to say that you receive an 8% increase in benefits for each year you delay? 8% appears to be an average, but the actual annual increase is much less than 8%, according to my actual account. Hello, The 8 percent increase per year only applies to the years from full…

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Can I work with an RSSA in a different state?

Full question: My and I are entering the retirement phase of our life. My wife is 64 and I am 62. We are both still working. We live in NC and we are interested in receiving a consultation in preparation and strategies to applying for our SSA benefits. But I am cautious instead focusing on…

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