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socrateaser
socrateaser, Attorney
Category: Social Security
Satisfied Customers: 37952
Experience:  retired (mostly)
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I am a 62 year old woman who has worked who has enough

Customer Question

I am a 62 year old woman who has worked who has enough credits for social security but hasn't worked after 2014. My last statement says I would collect $1,271 if I still was working but I am not working and don't intend to. I am currently married but getting divorced sometime in the next year or so. I am holding off collecting social security at the moment. Will I lose my benefits totally if I don't work anymore or will I get benefits on my past work history from 1973 to 2014?
JA: These retirement benefits are supposed to help us but they can be so complicated! The Retirement Expert will help you get the most benefits propertly. Is there anything else important you think the Retirement Accountant should know?
Customer: none that i can think of
Submitted: 1 month ago.
Category: Social Security
Expert:  socrateaser replied 1 month ago.

Hello,

If you have Social Security earnings for at least 40 calendar quarters (10 years), then you are entitled to benefits. Your benefits are calculated based upon your highest 25 years of earnings. If you have worked from 1973 through 2014, then you will receive benefits, and they likely won't be much less than the $1,271 on your last statement.

I hope I've answered your question. Please let me know if you require further clarification. And, please provide a positive feedback rating for my answer (click 3, 4 or 5 stars) -- otherwise, I receive nothing for my efforts in your behalf.

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Customer: replied 1 month ago.
The $1271 is at full retirement. I take it that I don't have to work anymore (from 2015) but will still be eligible to collect, correct?
I can collect at 62 or 63 but what would be the amount at these earlier times?
Customer: replied 1 month ago.
My full retirement age is 66. I will be taking my social security at 63 or 64 even though I am 62 and no longer work.
Customer: replied 1 month ago.
Where to I apply for benefits in person?
Expert:  socrateaser replied 1 month ago.

You asked:

I take it that I don't have to work anymore (from 2015) but will still be eligible to collect, correct?

A: Correct. You already have more than 25 years of earnings history.

I can collect at 62 or 63 but what would be the amount at these earlier times?

A: 62: $1,004; 63: $1,081.

Where to I apply for benefits in person?

A: Use this link to find your nearest Social Security Administration office: SSA Office Locator - Social Security Administration

I hope I've answered your question. Please let me know if you require further clarification. And, please provide a positive feedback rating for my answer (click 3, 4 or 5 stars) -- otherwise, I receive nothing for my efforts in your behalf.

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Expert:  socrateaser replied 1 month ago.

Hello again,

I see that you have reviewed my answer, but that you have not provided a rating. Do you need any further clarification concerning my answer, or is everything satisfactory?

If you need further clarification, concerning this matter, please feel free to ask. If not, I would greatly appreciate a positive feedback rating for my answer (click 3, 4 or 5 stars) – otherwise, I receive nothing for my efforts in your behalf.
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