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• I am 62 years old and am considering taking early retirement and collecting soc. sec. My questions is that I have a pension from IBM (retired) and will have one from the school district.
Q: I am 62 years old and am considering taking early retirement and collecting soc. sec. My questions ...


• Is she eligible to receive benefits from his earnings if she files for ex-spouse retirement benefits with social security?

Q: My question is my mother was married to my father (in California) for more than 10 years. They had ...
   Last Update : 07-24-2012


• I am desperately seeking your guidance in demystifying the process of applying for social security benefits.
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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
Q: 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
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...
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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.
Read Carols comments in this BankRate.com Social Security article

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Last Update : 06-28-2012 

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Social Security Question:

I was told that IF I WAIT UNTIL FULL RETIREMENT AGE, I will be eligible to collect a spousal benefit based on my husband's be

Social Security Answer:

I was told that IF I WAIT UNTIL FULL RETIREMENT AGE, I will be eligible to collect a spousal benefit based on my husband's benefit, and that it would amount to about 1/2 of his. Then at age 70 I would be eligible to begin collecting my own benefit. I have seen conflicting information on this matter, but my financial advisor says that the deciding factor is my waiting until my full retirement age to request the spousal benefit. I have read on the social security website that if one collects a spousal benefit, he/she can never switch to his/her own benefits. My financial advisor says that is true if I were to take the spousal benefit BEFORE I reach full retirement age. I recently stopped my benefits that I had taken at 62 and repaid the money to social security with the intention of waiting until 70 to take my benefit. It is important to me to know if I really can qualify for the spousal benefit mentioned above without putting my own benefits in jeopardy at age 70.


Support Replied ~ 06-29-2012 18:48:08

Dear Pat: You are absolutely able to collect 1/2 of your husbands FRA at your full retirement age...(the only catch to that is if you are older than your husband and he is still working and not collecting his Social Security because if he isn't payable, then you aren't until he is age 66). Your own Social Security grows until age 70 and it is a great advantage to those that can wait until that age to collect. Your financial advisor is correct in that if you file before your full retirement age, you must take your own benefit first and then add any spouses' benefit that you may be eligible for. Like I said, you are on the right track.....It just gets tricky if your husband is younger than 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. 03-29-2017


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. 03-17-2017


Thanks for the straight forward answers. It would have save a lot of time if I knew about this site months ago.
Emily D. 03-06-2017

Great talking with you and thanks for the help. Things now seem to be going in the right direction.
Chris H. 03-06-2017

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. 02-14-2017

Thank you so much for the reply.
Tom C. 01-15-2017

Thank you so much for returning my email so quickly.
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