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LawTalk
LawTalk, Attorney
Category: Social Security
Satisfied Customers: 35406
Experience:  I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.
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I am still working at age 66 and do not plan on collecting

Customer Question

I am still working at age 66 and do not plan on collecting ss until age 70,even though I hope to work until age 73-75. My ex- husband is also 66. If I collect on his ss now will that affect my full ss payments when I
reach 70?
Submitted: 1 year ago.
Category: Social Security
Expert:  LawTalk replied 1 year ago.
Good afternoon,
I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.
So long as you are at least age 66, you may collect an ex-spouse benefit and it will not effect the growth of your own social security retirement benefit, which between 66 and age 70 grows at 8% per year.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.
Please remember to rate my service to you so that I can be compensated for helping you.
I wish you and yours the best in 2015,
Doug
Customer: replied 1 year ago.
On the ss site, it talks about his has to be greater than what mine would be or I cannot collect any from his. Do I understand that correctly?
Expert:  LawTalk replied 1 year ago.
Hi,
If you are under full retirement age (66) you may only collect the greater of your benefit or the spouse benefit---that is true---and that is what would happen if you try to make the claim now.
However, as I said, after full retirement age (66), you may collect an ex-spouse benefit while yours continues to grow.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.
Kindly, remember to rate my service to you. That is how I am credited for assisting you.
I wish you well
Doug
Customer: replied 1 year ago.
What if he has not paid into ss for 30 years. His business was overseas. He worked for 20 years (U.S. companies) before that.
Expert:  LawTalk replied 1 year ago.
Good afternoon,
Sure I can help you with this. As you may not be aware, the Rules of JustAnswer specify that each customer ask one question in each question thread. For new questions, the customer is asked to open a new question thread. As you are a new customer, and as an accommodation to you, I will answer this new question as well.
So long as he worked at least 10 years of full time employment in the US or US military and he paid into social security during those 10 years, you will still be able to make an ex-spouse claim---as he will be able to make a retirement claim with social security.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.
Please be so kind as to rate my service to you so that I can be compensated for assisting you.
I wish you well
Doug