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Social Security Question:
I read an article on comcast.net about Social Security benefits, particularly when it pertains to widows/widowe
Social Security Answer:
I read an article on comcast.net about Social Security benefits, particularly when it pertains to widows/widowers and hope you can clarify something for me.
I am 63 and still working full time. My wife died in 2009 and at the time of her death, she was receiving disability payments through Social Security. She had been on permanent disability for 1 1/2 years before passing away.
I know that I am eligible to draw on her disability, but I was under the impression that to receive the full amount, I would have to wait until age 70 as with regular Social Security benefits. But the article today said that I can begin drawing the full amount of my late wife's Social Security as young as 60.
I have 2 questions. Is that true, that I could already draw the amount of her benefits? And can I start drawing on that while I am still working or do I have to wait till I retire?
Thanks for your time. Have a good day.
Support Replied ~ 01-31-2012 20:09:35
Widows/Widowers benefits start at age 60......Full benefits are at age 66.....Your own retirement starts at age 62....Full benefits at age 70. Your earnings do not count against your benefits after you reach age 66....The year you turn age 66, the limit is raised to about $30000. That means that you can earn $30000 between Jan and the month before you are age 66 and still get Social Security from January of that year. Since you are a widower, if your earnings are around $14000, you can file for benefits now on your wife's record and switch to your full amount at age 70. If you choose to continue working at a higher rate, then you could file for widowers at age 66 and then switch to your own at age 70. It sounds to me that you like working and depending on your salary, will continue to work until the year that you are age 66.....Depending on when your birthday is, your should inquire in January to make sure you don't miss out on money you could be eligible for.....
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