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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
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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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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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. 10-21-2017
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Thanks for the straight forward answers. It would have save a lot of time if I knew about this site months ago.
Emily D. 09-28-2017
Great talking with you and thanks for the help. Things now seem to be going in the right direction.
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