Full question: I was born in 1953 and my wife was born in 1958. I would like to wait to start collecting until age 70 in 2023. Can we use the restricted application filing strategy? Hi there! Yes, you may be able to use this claiming strategy. Since your wife is 62 in 2020, she…

Full question: I just turned 69 and filed for Social Security benefits. My monthly benefit is $2,900. My wife is only 63 and she still works. Can she collect a spousal benefit and will her earnings impact this? Hi there, If you just started collecting at age 69 and your benefit is $2,900 then your…

Hi, No, not at age 63. Medicare is available for people age 65 or older and is comprised of two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance). You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for…

Full question: I was previously married for 28 years, but am now single, age 67 and collecting Social Security. If I marry a 69-year old lady, who is also collecting Social Security, will her benefit amount change? Hello, Her benefit may change if the spousal benefit she would be eligible to collect is greater than…

Full question: Hi. My partner and I have been together for over 7 years, but we are not married. I am 64 and plan on collecting Social Security next year at 65. My partner is 69 and already collecting Social Security. If we decide to get married, will this impact our benefits (negatively or positively)?…

Hi, The answer is maybe, but not yet. Age 62 is the earliest you are able to collect Social Security retirement and spousal benefits. If you are entitled to collect each of these, you will only collect the higher of the two amounts. Your husband must be collecting his retirement benefit for you to be…