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• Hello Carol,
Was married to ex spouse for 16 years and that was 23 years ago. I am now almost 66 years old and have applied for ex spouse half payment for social security

Q: Hello Carol, Was married to ex spouse for 16 years and that was 23 years ago. I am now almost 6...
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• I turned 62 in February of 2012, and am retiring August 15, 2012. I am a sole propietor of an LLC
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• I will be 64 in a month and am working and intend to work until 70 or so. My wife is 68 and is retired - has been taking Soc
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• Hi Carol,
I think I understand the social security admin regulations from your other
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Social Security Answers expertSocial security question 30 day money back Carol Thomas has recently retired from the Social Security Administration after 28 years service and is ready to answer your questions.
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Last Update : 07-12-2011 

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Social Security Question:

I began collecting at age 62.5 on the recommendation of my financial
adviser, using a life expectancy figure calculated by m


Social Security Answer:

I began collecting at age 62.5 on the recommendation of my financial adviser, using a life expectancy figure calculated by my internist. I am now 70. I am able to pay back the Social Security fund, the amount given me over the intervening 7.5 years, in order then to collect using age 70 as my collection year. Is that possible? I had heard that the law allowing this had changed.


Support Replied ~ 07-13-2011 17:16:23

Dear Michael: Talked with a social security pal and she said that if you do pay back all the benefits you received since age 62, you must also pay back all the medicare premiums....If Medicare paid any bills for you, there could be problems with that since you are saying that you never got benefits in the beginning. There might also be a 10% surcharge on the Medicare since you never applied at age 65.....If you never applied for Medicare because you were insured through work, then you don't have to worry about any of this....But before you withdraw, find out from Medicare what might happen to you...... Carol

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DISCLAIMER - You should consult with your local Social Security Office before acting upon any information received as a response to your question on "Social Security Advisor".

"Social Security Advisor" is intended to provide accurate and authoritative information with regard to the subject matter covered. It is offered with the understanding that neither the publisher nor the author is engaged in rendering legal, accounting, investment or other professional advice or services.

Information obtained from RetirementCommunity.com, including e-mail responses from "Social Security Advisor" should be considered as general educational information. You must never rely upon the advice given here. Your individual situation may not fit the generalizations discussed. Only your local Social Security office can evaluate your individual situation and give you advice.


Social Security Questions and answers
In the news: Read Carols comments in this BankRate.com Social Security article


Thank you so much. The amount of infomation you provided on our call went a long way in helping to resolve the issues I had with the social security rep I was working with.
Tom F. 04-21-2017


Thank you so much. You provide a fantastic service and I really appreciate all your help. The next time I have a question regarding Social Security I will go to you first and save myself a lot of time.
Carol J. 04-09-2017


Thanks for the straight forward answers. It would have save a lot of time if I knew about this site months ago.
Emily D. 03-29-2017

Great talking with you and thanks for the help. Things now seem to be going in the right direction.
Chris H. 03-29-2017

Hello, thank you so much for responding to my inquiry, I really did not expect to get an answer from you so quickly. Brought the information you sent to my social security office an the issue, i have been dealing with for months, was resolved in an hour.
Veda M. 03-09-2017

Thank you so much for the reply.
Tom C. 02-07-2017

Thank you so much for returning my email so quickly.
Laverne J. 01-28-2017

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