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…

Full question: My mom just turned 62, not yet collecting Social Security. Her husband (my dad) died at age 46. She works full-time. What is my mom eligible to collect from my deceased dad’s benefits and will her current income have an impact on this? Hello, Your mom should look into survivor benefits if she…

Full question: I’ve been a stay at home mom for most of my adult life. I worked for about 5 years. Am I eligible for Social Security? Hello, To be eligible to collect your own retirement benefits, you must have worked and paid taxes into Social Security for 40 quarters, or 10 years. In your…

Hi, Yes, you can and depending on the amount that you earn during those years, your Social Security benefits may increase due to Social Security’s Recomputation of Benefits provision. Each year you work, you add to your earnings record and Social Security automatically recalculates your benefits. They average your years of earnings through the year…

Hi there, The Social Security Administration uses your highest 35 years of earnings, after adjusting for inflation, to calculate your benefit amount. If you do not have 35 years of earnings, zeros will be used for the years with no earnings. This is not uncommon at all. In your case, you will have 6 years…