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I am 100% disabled through the VA and also receive SSDI. None of my income is taxable. My wife is also disabled but is being told that she cannot receive Social Security because I make to much. How do they determine that I make to much if technically, according to the government, I make zero money each year?
Hello! As an ex-spouse, do I still have to wait until he applies. My ex is very wealthy and may never even apply…who knows?! He is two years younger than I, and I am 62. I will probably wait til I turn 67…he would be 65…. Concerned!
My wife who is 5 years older has been collecting on her reduced age 62 benefit of $450. Her PIA was $600( for an early withdrawal penalty of $150).
Next year when I turn 62 and if I start my own benefit she will be able to switch to a spousal benefit which will be 50% of my PIA of $2800 minus a reduction of $150(the same reduction penalty she took on her own benefit also applies to the spousal benefit)for a total spousal benefit of $1250.
I just ordered your book on Social Security.
Thanks Josh keep on Smashing Bro.
OK I'm confused. I thought spousal was 50% of "Primary". My benefit at 70 will be 3300, and I thought at that time my wife could refile for spousal and get half of my benefit, which is far more than what she will get if she files now (at 65). Her benefit would now be about 1400. So are you telling me if she files now, 14 months before her FRA her spousal percentage will be reduced later?
Ok Josh I have a question
If my husband takes SS at 65, ( I am 11 months younger than him) can I take my spousal benefit from his SS at that time? So I can wait and let my SS grow till FRA. If I did take spousal benefit would my SS at FRA be reduced? Would that be double dipping? FYI. At FRA my SS is greater then his
So if I understand correctly say my wife is 5 years older than I. She is eligible for her own PIA, or half of mine which ever is greater up to the max spousal. If she claims her benefit early ,both her PIA and any eligible spousal used in calculating her benefit would be reduced. If she waits and claims at 67 her spousal is not reduced even if I claim at 62. Mine would be reduced but not hers. Survivor is another animal all together. Correct?
Can a person start collecting spousal benefits and let their benefit grow? My mom is eligible to collect her SS but it is very small. She was married to my now retired dad for over 10 years.
Believe I also read that spousal benefit cannot be increased even if spouse claims after spouse’s NRA
2:27 converse is true as well: spouse still gets 1/2 of PIA even when primary beneficiary delays past NRA