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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...
   Last Update : 10-08-2012


• I turned 62 in February of 2012, and am retiring August 15, 2012. I am a sole propietor of an LLC
Q: I turned 62 in February of 2012, and am retiring August 15, 2012.� I am a sole propietor of an LLC...
   Last Update : 07-11-2012


• 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
Q: I will be 64 in a month and am working and intend to work until 70 or so. My wife is 68 and is retir...
   Last Update : 07-06-2012


• Hi Carol,
I think I understand the social security admin regulations from your other
answers but wanted to go over the spec

Q: Hi Carol, I think I understand the social security admin regulations from your other answers but w...
   Last Update : 07-05-2012


• I turn 62 in a few months.. I have been self employed builder for 30 years and my pay in has been low..I have not worked in
Q: I turn 62 in a few months.. I have been self employed builder for 30 years and my pay in has been l...
   Last Update : 07-03-2012





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Social Security Question:

I turn 62 in a few months.. I have been self employed builder for 30 years and my pay in has been low..I have not worked in

Social Security Answer:

I turn 62 in a few months.. I have been self employed builder for 30 years and my pay in has been low..I have not worked in 10 years due to physical problems and did not have enough points for disability benefits..My pay out for Social Security is under five hundred at 62. My wife is 58 and will work until 67 or longer. She has a great paying job and her benefits pay out a lot more than mine at the moment well over 2000.00.. I was wondering if I could collect a part of her projected payments? Any suggestions would be appreciated.


Support Replied ~ 07-03-2012 17:35:37

Dear Bill: Unfortunately, for you to receive spouses' beneifts on her account before she is age 66, she must also be retired or earning under the amount allowable, which is about $14600.00. With spouses' beneifts, if the chief wage earner is not payable, neither is the spouse. She would be payable at her FRA no matter what her earnings would be, which makes you payable. Since you will be over age 66, then you would get a full half of her benefit. If she chooses to retire between age 62 and 66, then you would both be payable benefits. Self employed people have it rough because their earnings are generally low because the name of the game is to keep your tax burden reduced as much as possible. You might as well file for your Social Security since waiting is not going to do you much good since the increase is not that much. You can then add spouses benefits to what you get when she is full retirement age or before that if she chooses to file early. Good luck....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.


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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. 03-22-2017


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.
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