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Recent social security questions

I will be 70 in another week. I applied on line in April to

I will be 70 in another week. I applied on line in April to have my retirement benefit start when I'm 70. I hadn't realized that my wife was old enough to claim benefits on my record (she just turned 64), so I didn't do the file-and-suspend that I should have. SS tells me that she can claim back to the April data I first filed. I can't go back the whole six months since the file-and-suspend option expired at the end of April.Our present plan is for her to apply in the middle of July retroactive to April. Her claim on my record will be more than regular retirement on her record, since she is disabled and hasn't worked for quite a while.Are we missing something that would be a better strategy?

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Lane

JD, MBA, CFP, CRPS

Doctoral Degree

 
16,336 satisfied customers
I receive social security disability from an injury years

I receive social security disability from an injury years ago (this was based on a very long worker's comp case). I had a daughter so I received benefits for her. I assumed when I had another child I would also receive the same amount of benefits. But when I had another daughter, they spilt my first daughter's payments between my two dependents. is this correct?

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TaxRobin

Vocational, Technical or Trade School

 
20,294 satisfied customers
My husband and I are very confused about the best time to

My husband and I are very confused about the best time for us to file for social security. We are both 62 and have read many articles about pros and cons of early and late retirement. We both have chronic illnesses but are not ready to stop working yet. We have high medical expenses, but have insurance coverage through the wife's employer. Husband works part-time and makes approximately $21,000/year not counting pension from a school department. Wife earns about $31,000/yr. There is a possibility her company may shut down within the next few years. Wife's mother and grandmother died at 71 due mainly to alzheimer's. Husband's parents both died in their 80's. He has a kidney transplant and diabetes. We own our home, with a $75,000 mortgage (just refinanced at 3.6%). We have approximately 20,000 in our savings, a pension of $1800 a month and a small 401K, so we are really "cash poor". We figured if we wait til age 66 to file, we will net about $4600 a month and if early at 62, $3900 (this does not take into account the penalties for continuing to work). What would you advise as far as when to file for social security? If husband needs to file for disability in the near future is it best for him to file now or later?Thanks for any clarity you can give.

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Lane

JD, MBA, CFP, CRPS

Doctoral Degree

 
16,336 satisfied customers
I applied security disability while waiting on work comp to

I applied for social security disability while waiting on work comp to approve my surgery. I was approved for my disability I was approved for my surgery before my disability started and work comp started paying me temp. benefits. I reported all of this to s.s.a. and my s.s. benefits kicked in and the pentilized me for over payment on my first month and also cut my s.s. benefits from 1583 a month to 605 a month I paid back to over payment of 987 dollars. I have been released from work comp was wanting to know if I could go back and get my original benefits of 1583 re-instated.

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Megan C

Master's Degree

 
29,942 satisfied customers
My husband has died in Ohio and I live in Indiana. Do I go

My husband has died in Ohio and I live in Indiana. Do I go to the SS office in Ohio or Indiana for my claim?

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lev-tax

Retired

Bachelor's Degree Equivalent

 
24,192 satisfied customers
Can I claim social security that I worked at 62 and then

Can I claim social security for time that I worked at 62 and then claim my husbands instead at 66. We are divorced.

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LawTalk

Attorney at Law

Juris Doctor

 
31,036 satisfied customers
I receive a Massachusetts state pension of $3000. and a

I receive a Massachusetts state pension of $3000. and a social security pension of $330. each month. Deceased wife pension is $1450. each month. Would I benefit by claiming deceased wife's social security?

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Stephanie O Joy, Esq

Managing Lawyer/Advocate

Doctoral Degree

 
11,468 satisfied customers
I have been disabled since August 22, 2014 when my left knee

I have been disabled since August 22, 2014 when my left knee went bad. I need operation on left knee to get a steel knee replacement. Since then my hip is going out. My spinal cord is being pressed a few places because of arthritis. I need 4 operations on my neck and three operations on my back to correct it. I walked with walker or two canes since November 21, 2015. I am waiting for somebody to operate on me but I don't have Medicare B. I have Medicare A since I retired when I turn 66. I am going to be 72 this August 20. SS says I can't apply for Medicare B until January 2017 and won't get it until July 2017. The questions are why I can't get Medicare B now and can I get more benefits since I am disabled. I am getting approximately $2200 per month now.

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Stephanie O Joy, Esq

Managing Lawyer/Advocate

Doctoral Degree

 
11,468 satisfied customers
My wife wants to retire at 62 (which she reaches this month)

my wife wants to retire at 62 (which she reaches this month) and based on her contributions and reduced FRA, will receive $1000 per month in social security benefits. Can she then file for my benefits when I hit FRA (my monthly benefit at my FRA will be $2,700.) What would her monthly benefit be under my benefits? She would file for them in another six years, when I reach FRA. Thanks for your advice

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Lane

JD, MBA, CFP, CRPS

Doctoral Degree

 
16,336 satisfied customers
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