Switching benefits

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…

Hi there, Yes, if eligible for both your own retirement benefits and survivor benefits, you may collect one benefit (even if it is a lower amount than the other benefit at the time you are collecting) and later switch to the other. This will allow a retirement benefit to increase all the way up to…

Full question: Hello, my son received survivors benefits until the age of 19. I also received survivor’s benefits due to be the ex-spouse caregiver of my son, but my portion stopped when my son turned 16. My son is now 21 and was just approved for DAC disability. Would I qualify to receive payment again…