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Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13397
Experience:  19+ years legal exp. - 10+ years owning/operating her own SSD Law practice.
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I am 64, wife is 48, 2 kids ages 12 and 10. If I retire at

Customer Question

I am 64, wife is 48, 2 kids ages 12 and 10. If I retire at 65, can wife collect as taking care of the two kids and can kids collect. If wife can collect, for how long?
Submitted: 1 year ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 1 year ago.

Good afternoon, with regard to your post:

"I am 64, wife is 48, 2 kids ages 12 and 10. If I retire at 65, can wife collect as taking care of the two kids ------------ Yes, if she is caring for them and not working substantially, (i.e. under the earnings limit, which was 15,720 in 2015); The amount a caretaker can collect is up to 50%, subject to family max cap. She can collect while they are under age 16.

and can kids collect. --------- Yes, up to 50% each, subject to family max, until they are 18-19 years old. They all share the balance of the family max when multiple dependents collect.

If wife can collect, for how long? ------- Til youngest is 16. At that point, the theory being she need not "stay home" with them and can get a job and not be a dependent for SS purposes.

I hope this helps! My goal is toprovide you with excellent and accurateservice – if you feel you have gotten anything less, please reply back, Iam happy to address follow-up questions.

Kindly rate me "excellent"when you are done. I look forward to assisting you in the future, shouldyou have legal questions. Be sure tostart future posts with "To ***** Esq., ONLY" ifyou want me to specifically answer it.

Sincerely, ***** ***** Joy, Esq.

Your online SS legal resource!

"

Expert:  Stephanie O Joy, Esq replied 1 year ago.

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Stephanie O. Joy, Esq. – Your Online Legal Professional