@software wrote:
I am working but I don't like it. I've developed a couple of health issues and my job is demanding, I put in 11 hour days. I should be grateful, and I am, but this old body is not what it used to be!
If I wait until full retirement age, 4/1/2019, I can receive about $200 per month more than if I retire at 65 in 2018. That extra $200 would go a long way, probably toward health care of some kind. I do not have a pension, SS would be my only income, other than savings & other assets.
But if I can file on my ex-husband's SS# when I file for Medicare, I'd like to do that if his benefit is higher than mine. And if my benefit is higher at age 66, I'd like to file on mine and drop his.
I'm not worried about SS for folks at my age, and I don't want to get into any kind of political debate about it. This has been discussed for the past 20 years and no one has done anything about it.
@shell gardengarden
@software....I am so deeply sorry that you and alot of senior citizens do not have a retirement to rely on in this day and age and only have present work and/ or SS benefits to thrive on!
I have been very, very blessed with a medical college job that did offer excellent retirement! My mother instilled in us kids to find, like she did in the 60' S when she began working in the health care field, to be sure and invest in somewhere with excellent benefits, no matter what the pay at the beginning! I followed in her footsteps as well as my sister did and we have been blessed!
I just could not or want to work now, and I applaud you and others who continue to do so whatever the reason!
You need to talk to someone at SS office and then decide what is best for you! But, regardless if you take it now or at 66, you would only get 1/2 of your ex's SS benefits! If you took yours now, you would get 100% of yours. Then if and when he passes, you can go back and claim his 100%.
@So, for example...If his benefits are $1200 a month, you would only get $600 @ 50%. But, if yours was around $1000 a month, and you took yours now, then you would get all of yours now! Then when he passes, you go back and claim his and start getting his at 100%, which would be $1200 a month!
I claimed mine because it was higher than 1/2 of my ex's! When he passes, I can claim all of his,xwhich will be higher! But, even though he is 10 years older than I am, what if I pass before him? Zilch....Both are gone! I am collecting now whatever and how many years left is into savings untouched passed on to my family!
Best of luck in what you decide! But dpfind out how much you would get from SS on your 100% benefits now and see if you can live on that, quit your grueling job and start taking your benefits! If you can't, and have to keep working for another year or two.....We will all be here rooting you on and hugging and praying with you!
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