I realize you have a question about social security. My goal is to provide you with excellent service, and help you better understand your options.
How are you today?
I hate to be the bearer of bad news, but you cannot draw a spousal benefit early and allow your own benefit to reach its maximum at age 66
So, if you take the spousal benefit at 62 (which it's still the spousal benefit even though it's SSDI) your own benefit will forever be reduced as if you took it at age 62
Did you have any further questions?
I want to retire in March 2014 on my own social security. I have read not to do this but I would need the income to live on. No one knows how long they are going to live and I have worked all my life and need a break. My husband has had two major strokes and lucky to have survived. Do you think I am foolish wanting to retire now but on less money?
No, I do not think you are foolish at all. I think it's smart, given your concerns
Quality of life sometimes is better than the extra few dollars you may get
Thank you. I am financially prudent. We have prepared a budget and it provides for our basic needs. I just don't want to feel guilty.
You shouldn't feel guilty. I know plenty of retirees that retired early and took their benefits before age 66, and they are fine. The important thing is that you can pay your bills and can live a comfortable life.
Thank you for your advice.
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