Can I switch to ex-spousal benefits at my FRA?
Full question: I am 62, was married to my ex-spouse for 22 years, been divorced for 9 years, am not remarried, and have no dependents. My ex-spouse is a high earner and is 61 years old. My Social Security benefits are less than 50% of my ex-spouse benefits. I want to apply to receive my…
Read MoreCan I collect a spousal benefit while my own retirement benefit grows?
Full question: If I apply for Social Security at FRA, can I get half of my wife’s Social Security and let mine grow? She is 6 years older. Hi there, Unfortunately no, you cannot claim a spousal benefit and later switch to your own retirement benefit. When you apply for benefits, the SSA looks at…
Read MoreHow do I switch from spousal benefits to my own retirement benefit on the webiste?
Hi there, I am assuming you are asking about switching from a survivor benefit (based on your deceased spouse’s earnings record), not a spousal benefit (based on your living spouse’s earnings record.) If your own retirement benefit is a greater amount than the survivor amount, you should contact your local SSA office to make this…
Read MoreI am switching from Railroad Benefits to my Social Security benefits. Will there be a delay in receiving my monthly payment?
Full question: I am switching from Railroad Benefits to my Social Security benefit at age 70. I understand my check will still come from SSA. Will I see it the same date as before or could my first check be delayed by the transfer? Hi there, We researched this topic and recommend that you also…
Read MoreWill I be required to apply for my Social Security benefits when I become eligible?
Original question: Will I be forced to apply for my own SS retirement benefits when I become eligible even though I am receiving SS Spousal benefits at the time? Hi there, You can only collect the higher of the benefits you are eligible to receive when when you apply. So if you are currently collecting…
Read MoreCan I file for ex-spousal benefits and switch to mine when I retire at 70?
Full question: Martha, I am over 62 years old and divorced, we were married over 10 years. My ex-husband is still working he’s 68 years old. I’m still self-employed also, can I file for spousal benefits until I retire at 70 years old? Hi there! The short answer is that yes, it appears that you…
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