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Social Security= I am 61 and husband is 60. He works full time right now. I am on disability for the last 7 years.?
Do I switch over to regular SS when I reach 65? How do they figure my amount if I have been off of work so long. Do I have something coming from him? Remember their is a year difference in our ages and he is not eligible for full SS till 66
7 Answers
- dogtags40Lv 76 years agoFavorite Answer
You need to find a Social Security counselor. Those at the Social Security Administration can explain the rules and how they apply, but they can't actually analyze your incomes and determine the best option. For THAT kind of advice, you should contact a retirement specialist.
At age 62, you may be able to draw on your own account, keeping in mind that your benefit will be reduced from the amount you would receive if you wait until full retirement age (66 if your were born in 1954). Your disability benefit may be greater than that. Spouse benefits will be available to you in the future, as you husband reaches HIS retirement age.
To maximize your benefit, you really need to sit down with a qualified financial planner.
- RobLv 76 years ago
If you accept Social Security at 65yrs old u lose Money.
Ur full retirement age is 66 not 65.
Better move is library card to learn how to make earn money locally.
Disable means you got to think out the Boxes u put urself in.
Money Earned after full retirement doesn't hurt.
Visit library and websites to learn.
Either series of books "for dummies" or "idiots guide to" retirement will Help.
AARP.org has plenty to Help.
Source(s): Exstreet person Employer now thanks library - JudyLv 76 years ago
When you reach YOUR full retirement age, your benefits automatically convert to regular ss. The amount stays the same as you were getting on disability. When he starts receiving benefits though, you will get either your own benefits or what you'd get on his record, not both.
- troLv 76 years ago
you remain on disability as long as you are eligible, when you reach your full retirement age you automatically will divert to SS
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- Anonymous6 years ago
You will get the social security benefit when you are 65 years old.
- Anonymous6 years ago
You are "switched over" to SS Retirement when you hit your "full retirement age" per SS guidelines (66).
- Cathi KLv 76 years ago
This is a tax section not a ss expert section. We can answer some questions but you should talk to your ss office.