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Date Add : 05-27-2009 

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Social Security Question:

Which do I take Mine or Husband Social Security

Social Security Answer:

I am about to turn 62. My husband will be turning 65 and will continuing working and will not take his social security. Can I take half of his social security or do I have to take mine which is much less than half of his.

Thank you


Support Replied ~ 04-10-2009 18:37:04

Dear Karen:
For you to receive benefits from your husband, he needs to retire. You should file for your own if you are now 62 and not working.....Carol
Your Comment ~ 04-10-2009 20:15:36

When he retires can I than get half of his?


Support Replied ~ 04-14-2009 17:40:23

Dear Karen:
When your husband retires, you can file as a wife on his account if his full amount is more than double your full amount. You will take your own first and then add on his benefit so the benefit you get is not more than 1/2 what he gets. For example,
if his full amount is $1800 and your full amount is $700, then SS takes the $1800 and divides it in half, $900 and takes from it your full amount $700. You would get approximately $200 or less added to your benefit amount. Reductions are used if you are under your full retirement age of 66. Carol
Your Comment ~ 04-15-2009 11:03:04

If mine at age 62 is 600.00 and at 66 is 800.00.. But I decide to take my at 62. If his at full is 1800 and he takes his at full three years down the road. When he takes his will I get an increase.

Karen


Support Replied ~ 04-15-2009 16:26:20

Dear Karen: Yes, you have $100 difference, so that will be the base amount. It will be reduced to whatever age you are when your husband retires. 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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