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R. Klein, EA
R. Klein, EA, Accountant
Category: Social Security
Satisfied Customers: 3375
Experience:  Tax & Social Security Benefits specialist
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I am 62, my husband 66 year old husband passed December. Can

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I am 62, my husband 66 year old husband passed December. Can I continue to work and collect his social security now?

R. Klein, EA :

Thank you for your SS question.

R. Klein, EA :

I am sorry to hear of your loss. I will try to answer your questions.

R. Klein, EA :

Once you are 62, you may start early retirement benefits. You may get the LARGER of a benefit based on your own work history OR 50% of your spouse's benefit.

Customer:

I am a teacher and want to continue to work. I earn approximately $40,000 a year

R. Klein, EA :

However, until you reach FRA (Full Retierment Age), the benefit will be reduced by $1 for each $2 you are over the annual limit

R. Klein, EA :

Currently, the annual limit is about $14,600.

R. Klein, EA :

Therefore, if you are earning $40K, your benefit will essentially be eliminated.

R. Klein, EA :

Once you reach FRA, the limits are removed and you can work AND get your SSA benefit.

R. Klein, EA :

Since you are a teacher, if you have a retirement plan through TRS, your benefit may be reduced due to the windfall provisions.

Customer:

Ok. I understand. I'll wait until I'm 70 and collect either his or mine- whichever one is higher

R. Klein, EA :

Yes, the longer you can wait, the higher the monthly benefit

R. Klein, EA :

At age 70, the benefits stops growing

Customer:

I'm in a private school- no TRS. That's what I had heard. I can wait until I'm 70 (I hope!). Thank-you for helping me!

R. Klein, EA :

Have a great evening and thanks for helping our kids!

R. Klein, EA :

Important work and not enough reward!

Customer:

You're welcome- they are our future!!

R. Klein, EA :

So says the Social Security system!

R. Klein, EA and other Social Security Specialists are ready to help you

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