Can I collect a railroad spousal benefit and does my own work affect that benefit?
Full question: I married July 1, 2022, to a railroad retiree, which retired in 2002 after 35 years, I turned 61, April 23, 2023. I currently work full-time been with company 7 years in October, can I collect of my spouses railroad retirement at age 61, and can I still work? Hello, It sounds like…Read More
Do my future Social Security benefits decrease if my salary decreases?
Full question: I am 65 and pretty much retired since last year. Since my salary last year was very low $22,000 and have made much less this year I noticed my Social Security check diminished by $100 if I wait until I am 70 years old to draw. Will it continue to diminish if I…Read More
Can I switch from an ex-spousal benefit to my own benefit at 70?
Full question: Good morning. I am divorced, 66 years old with two disabled adult children that have lived with me all their lives. One has Autism, the other was injured at age 22 and is a parapalygic. Can I collect 1/2 of my ex-spouse’s Social Security Retirement while I continue working and change over to…Read More
Should I wait until age 70 to get my full benefit?
Full question: I’m remarried 4 years to my husband, age 72. He waited until 70 to begin his Social Security benefits, and is still working as a partner in a law firm. I just turned 69, still working as an independent life & health agent. I have not turned on Social Security benefits yet, and…Read More
What happens if I am collecting Social Security and still working before my FRA?
Full question: I would like to file at 66 and 1 month for a birthday of 02/20/1957 but I’m still working. Is there a different tax rate if I’m not on my full age of 66 and 6 months? I’m going to continue working even longer but I need the money. Hi, Thank you for…Read More
Will I get the larger amount if I qualify for multiple benefits?
Full question: I get survivors benefits now, I am 65 and have worked 27 years past my husbands death. If I continue his until 70 and then switch to mine (I’m still working) will I get a larger check? Hi there, Thank you for the question about collecting survivor benefits and switching to your own…Read More