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…

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: 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…

Full Question: I am divorced born after 1954, and was married for more than 10 years. My ex-spouse has remarried while I have not, and while I do have some earnings to claim, claiming as an ex-spouse will provide the higher estimate. My concern is that while I have reached FRA, my ex-spouse won’t for…

Hi there, Ex-spouse benefits are based on your ex’s primary insurance amount (PIA), the amount they would receive at their full retirement age (FRA). You may contact the SSA to find out what your ex’s PIA is by providing the information needed to verify your marriage to, and divorce from, the individual. For personalized assistance…

Full question: I’m 75, divorced and caring for our disabled adult daughter who is collecting SSDI on her dad. Am I entitled to collect on his social security if higher than my SS? Hello, Yes, you may be eligible for an ex-spousal benefit if you were married for 10 or more years and the benefit…