social security question

Ditzydori · ‎03-10-2010

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.

Yuban3 · ‎03-10-2010

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.

Was Yuban, then changed to Plaid Pants due to forum upgrade, and apparently, I'm back to being Yuban.

humpty dumpty · ‎03-09-2010

N/M

~~ Good enough is good enough ~~

151949 · ‎03-09-2010

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.

esmerelda · ‎03-10-2010

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?

*********************
Keepin' it real.

151949 · ‎03-09-2010

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

Suzy Snowflake · ‎05-14-2013

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

Snowpuppy · ‎03-09-2010

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

TaxyLady · ‎05-26-2011

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.