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Recent Retirement questions

Second opinion] My wife and I are 64 years old. I am doing

Second opinion] Hi. My wife and I are 64 years old. I am doing some planning.JA: The Retirement Accountant will know how to help. Please tell me more, so we can help you best.Customer: My wife has no credits toward social security. She will have to rely on the spousal benefit. My intention is to work to 70. My questions is, can I file at 66 and suspend my benefits until 70 and would my wife be able to collect her spousal benefit at 66 or not until I start taking my benefit?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: My benefit will be the maximum amount.

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Stephanie O Joy, Esq

Managing Lawyer/Advocate

Doctoral Degree

12,034 satisfied customers
My question is regarding survivor's benefits. My husband

Hi, my question is regarding survivor's benefits. My husband passed in 2013 and was receiving social security. I just turned 62, am still working full-time. Do I claim survivor benefits? By doing so, does this limit what I may earn? Or, is it that when I select to retire and receive social security beneifts that they will look at both and determine the highest is what I receive?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 the Retirement Accountant should be aware of?Customer: I am just a little confused as to how the survivor benefits are meted out. I just clarification. I am not myself ready for retirment but had been told I might receive survivor benefits.

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Stephanie O Joy, Esq

Managing Lawyer/Advocate

Doctoral Degree

12,034 satisfied customers
My wife and I are 64 years old. I am doing some planning. My

Hi. My wife and I are 64 years old. I am doing some planning.JA: The Retirement Accountant will know how to help. Please tell me more, so we can help you best.Customer: My wife has no credits toward social security. She will have to rely on the spousal benefit. My intention is to work to 70. My questions is, can I file at 66 and suspend my benefits until 70 and would my wife be able to collect her spousal benefit at 66 or not until I start taking my benefit?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: My benefit will be the maximum amount.

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keeperumiami

Sr Financial & Tax Consultant

Bachelor's Degree

10,372 satisfied customers
My relative is using my social number to work and her job

My relative is using my social number to work and her job allows her to be named on Male because the social security number from my uncle, we asked her several times to stop using it and at her job they have no problem with arhat as long as they get a good social security numberIs being using it since 2009What can I do ?

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Stephanie O Joy, Esq

Managing Lawyer/Advocate

Doctoral Degree

12,034 satisfied customers
My wife is 66 years old not planning on retiring until she

My wife is 66 years old not planning on retiring until she is 70. I'm 61 years. We hear that SS has change its rules about applying for Spousal bennifts. Can she apply for it now and have it grandfather in before may 1st?JA: The Retirement Accountant will know how to help. Is there anything else the Retirement Accountant should be aware of?Customer: no

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Stephanie O Joy, Esq

Managing Lawyer/Advocate

Doctoral Degree

12,034 satisfied customers
Thank you for hearing my case. I worked for low wages until

Thank you for hearing my case. I worked for low wages until age 65. I began drawing my Soc. Sec. then. However, my husband continued to work until age 71 or 72 (can't remember). Only recently via and article in the AARP Bulletin did I read that "If your personal benefit is smaller, it (your Soc. Sec.) will be topped up to the spousal level. I HAVE NEVER HEARD THAT! My questions are: How do I apply for this? Will I be able to collect back "topping" since he retire in 2005? If so, can this be in a lump sum - with/without interest? and finally - Why was I not informed of this benefit? I am feeling somewhat "cheated" all these years of scraping by financially. We are hoping to move to a retirement home soon and getting these "layered" benefits would be a god-send.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. We have our lovely Black Belt Customer Support team available to help you 24/7.Email***@******.***In the US or Canada 1-***-***-**** Available 6am to 9pm PSTIn the UK 0***-***-****In Australia 1800-679-634In New Zealand 0800-452-621From anywhere else 1-***-***-****Is there anything else the Retirement Accountant should be aware of?Customer: not that I can think of.

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keeperumiami

Sr Financial & Tax Consultant

Bachelor's Degree

10,372 satisfied customers
I am still working but plan on retiring around the beginning

I am still working but plan on retiring around the beginning of June. I will be 63 in June. I know the max amount I can make in a year is $16902. How is that computed for this year if I retire? If I decide to start receiving before I quit do they wait until I have made the maximum amount before they start reducing my SS by $1 for every $2 earned or do they make a projection as if I was going to work the entire year?JA: The Retirement Accountant will know how to help. This sounds important. The lawyer will definitely help you with this. I'm going to connect you with a lawyer who has 3430 happy customers and a 4.5 out of 5 Rating. Anything else we should know before I connect you?Customer: No

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LawTalk

Attorney at Law

Juris Doctor

36,374 satisfied customers
I have 35 years of contribution into social security, adding

I have 35 years of contribution into social security, adding up to about 99.7% the total possibility of the maximum they would have taken. I also took retirement last year, at age 61. I don't plan to tap into my FICA until full retirement age (66/2). My question is, does my total past contribution assure that I will get an inflation-adjusted amount going into the future? Or does the fact that I won't be continuing into the system any more mean that my great past contributions be eroding away?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: In other words, if I have 35 years of (essentially) total possible contribution, does it matter that they were done in the time-span that is 5 years earlier than if I had accumulated them right up to the date when I'd have reached full retirement age? I mean, heck, I gave 'em the full amount.

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keeperumiami

Sr Financial & Tax Consultant

Bachelor's Degree

10,372 satisfied customers
On disability is there a limit you can receive or do you get

On disability is there a limit you can receive or do you get the full amount of your social security/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. Please tell me more, so we can help you best.Customer: I was on disability from age 45, at age 60 my husband who was also on disability died at age 59. I received the widow benefit...mine on one day, his on another. I received a letter the moth I turned 66 telling me that the amount of widow benefit would be changed by an increase of $267.80 as the prior amount was incorrect.JA: Is there anything else the Retirement Accountant should be aware of?Customer: I received this lower amount for 6 yrs, I would like to know why I am not getting a retroactive check for this.

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lev-tax

Retired

Bachelor's Degree Equivalent

24,842 satisfied customers
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