topic Re: social security question in Community Chat

social security question

Ditzydori — Sun, 30 Mar 2014 16:52:22 GMT

Hi ladies. I looked on their web site, and I still couldn't find an answer. Here is my question My husband will be retiring in September when he turns 65. I am 60 and will be 61 in October. When I retire, I will take part of my husband's retirement because I have not worked a long time, so I will get more if I take part of his. Can I retire at 62 or do I have to wait to retire when I turn 65. Someone told me that you have to retire at the same age that your husband retires in order to receive your part of his retirement.

Is this true? Or is there a difference in what I will get from his retirement at age 62 vs 65? Thanks so much for all of your informative advice.

Re: social security question

Yuban3 — Sun, 30 Mar 2014 16:57:26 GMT

The best piece of advice that I can give you, is to make an appointment at your local social security office, so that you can ask them all of your questions directly.

I don't think that anyone here can give you a solid answer, because it all depends on how much income your husband made, and other variables.

Re: social security question

humpty dumpty — Sun, 30 Mar 2014 17:01:58 GMT

N/M

Re: social security question

151949 — Sun, 30 Mar 2014 17:06:48 GMT

if you retire at 62 you will get 25% (or it could have changed by now ) less per month than if you wait til your full retirement age - which for you would be 66 I think. The thing is - once you start to collect at that lower amount you are stuck there for life - you can't get the higher amount once you reach full retirement age. Also - if you chose to keep working after you turn 62 - each year you would get a little more - for instance my DH retired one year before his full retirement age and his was only 6% less than if he had worked that additional year.

Re: social security question

esmerelda — Sun, 30 Mar 2014 17:12:02 GMT

I have a question too. Since the retirement ages have been 62 and 65, but the 65 is creeping up now (as HH said OP's DH's retirement age is 66), is the 62 still fixed?

Re: social security question

151949 — Sun, 30 Mar 2014 17:13:11 GMT

On 3/30/2014 esmerelda said:
I have a question too. Since the retirement ages have been 62 and 65, but the 65 is creeping up now (as HH said OP's DH's retirement age is 66), is the 62 still fixed?

yes

Re: social security question

Suzy Snowflake — Sun, 30 Mar 2014 17:27:52 GMT

...and yes you will be givin the option to take your earned SS or part of his.

Re: social security question

Snowpuppy — Sun, 30 Mar 2014 17:33:18 GMT

On 3/30/2014 humpty dumpty said:
Here is a number I have used to find answers to all of my Social Security questions: 1-724-652-5561 ...

Skip this Troll.

It's 800-772-1213 until 7pm in your time zone M-F

Re: social security question

TaxyLady — Sun, 30 Mar 2014 17:36:18 GMT

My advice is to call the local social security office. They will answer all your questions. I think you can retire at 62, but it is best to get this type of information from them. They can also tell you how much less your payment will be when you retire at 62 as opposed to 65. They are there to help you with these decisions.

Re: social security question

Ditzydori — Sun, 30 Mar 2014 18:34:06 GMT

thanks ladies. I'll call the 800 number tomorrow.

Re: social security question

~moxie~ — Sun, 30 Mar 2014 18:45:02 GMT

You an collect SS at 62. I did.

Re: social security question

~moxie~ — Sun, 30 Mar 2014 18:46:26 GMT

On 3/30/2014 Peaches4you said: ...and yes you will be givin the option to take your earned SS or part of his.

They will tell you what you have earned in SS but they will tell you can collect more on your husbands SS.

Re: social security question

~moxie~ — Sun, 30 Mar 2014 18:47:20 GMT

When my husband passed away I got 98% of his SS which is around $2600 a month.

Re: social security question

151949 — Sun, 30 Mar 2014 19:20:38 GMT

On 3/30/2014 ~moxie~ said:
When my husband passed away I got 98% of his SS which is around $2600 a month.

per SS.gov the max anyone can collect on SS each month is $2346.

Re: social security question

humpty dumpty — Sun, 30 Mar 2014 19:22:00 GMT

I have never been called a ""troll"" before and wondered why Snowpuppy called me a troll ...

So I dialed the number (which is on my list for SS) and found the number is no longer is service ...

Sorry for this ... I am not a troll and just thought I was giving the OP some information that would help her ..

Sorry if I inconvenienced anyone ...

Re: social security question

151949 — Sun, 30 Mar 2014 19:23:02 GMT

Per SS.gov : the amount the payment is reduced monthly when a person retires before full retirement age is : at age 62 - 25%- at age 63 20% - at age 64 13.3% - at age 65 6.7% and at age 66 you get the full amount.

Re: social security question

Mama Mia — Sun, 30 Mar 2014 20:06:32 GMT

On 3/30/2014 happy housewife said:
On 3/30/2014 ~moxie~ said:
When my husband passed away I got 98% of his SS which is around $2600 a month.

per SS.gov the max anyone can collect on SS each month is $2346.

Per SS, 2014, at age 66, amount max is $2642.00. It goes by your age. HH,get your facts straight.

edit

3425.00 monthly at age 70 if worker had steady work to that age.

Re: social security question

~moxie~ — Sun, 30 Mar 2014 20:48:25 GMT

On 3/30/2014 happy housewife said:
On 3/30/2014 ~moxie~ said:
When my husband passed away I got 98% of his SS which is around $2600 a month.

per SS.gov the max anyone can collect on SS each month is $2346.

Well you are wrong. I received 98% of my husbands ss after he passed away.

Re: social security question

KathyPet — Sun, 30 Mar 2014 21:00:58 GMT

I retired at age 62and started collecting my own retirement. My husband was 65 and eligible to retire but was still working. he started collecting a ""spousal benefit"" from my collecting my SS. This was based on my SS as he was still working and did no want to touch his benefits. he got a % of my benefit so it seems as if the answer to your question is No. he did not have to retire when I did but still got his ""spousal benefit"".

Re: social security question

Mama Mia — Sun, 30 Mar 2014 21:02:27 GMT

On 3/30/2014 ~moxie~ said:
On 3/30/2014 happy housewife said:
On 3/30/2014 ~moxie~ said:
When my husband passed away I got 98% of his SS which is around $2600 a month.

per SS.gov the max anyone can collect on SS each month is $2346.
Well you are wrong. I received 98% of my husbands ss after he passed away.

First moxie, I am so sorry he passed away. It has to be very hard on you. Secondly, HH has a lot of gaul to tell you what you can receive when you are receiving it at this time..unbelievable.