Social Security

Ask social security questions and get answers ASAP

Ask an Expert,
Get an Answer ASAP!

Myers
, I've been reading articles about the new social…

Customer Question
I've been reading articles...

I've been reading articles about the new social security rules for 2016 and am wondering if I'm eligible for more income than I currently receive. I am receiving widow's benefits and have recently turned age 62. I don't expect to take my benefits until I turn 67. Is there something else I am eligible for at this time???

Submitted: 2 years ago.Category: Social Security
Show More
Show Less
Ask Your Own Social Security Question
Answered in 14 minutes by:
1/29/2016
Social Security Expert: Christopher B, Esq., Attorney replied 2 years ago
Christopher B, Esq.
Category: Social Security
Satisfied Customers: 4,136
Experience: associate attorney
Verified

My name is***** and I will be helping you with your question today. This is for informational purposes only and does not establish an attorney client relationship.

No, you need to have a spouse in order to take advantage of these changes (they are pretty narrow anyway). The changes made in the bipartisan act are being hyped in the media but it is only a small loophole that is being closed. It is not a magical lump sum that has to be elected and deals with "file and suspend" spousal benefits and the "restricted benefit". Let me explain, a spouse can only take the spousal benefit if the other spouse has elected to take their benefit. Another requirement is that the spouse must be at least age 62 or have a qualifying child in her/his care. By a qualifying child, social security means a child who is under age 16 or who receives Social Security disability benefits. Currently the law is changing and a "suspend and file" cannot be elected starting on may 1, 2016. In this circumstance at full retirement age (66) one could file and suspend their benefits and continue earning credits until age 70 and their spouse could elect to take the spousal benefit. The spousal benefit can be as much as half of the worker's "primary insurance amount," depending on the spouse's age at retirement. If the spouse begins receiving benefits before "normal (or full) retirement age," the spouse will receive a reduced benefit. However, if a spouse is caring for a qualifying child, the spousal benefit is not reduced. Also the "restricted benefit" is being eliminated. If you turned age 62 be the end of December 31, 2015, you would be grandfathered in and at full retirement age you will still be able to restrict your benefit. This means that if you or your spouse would like to elect to take only the spousal benefit as opposed to your normal retirement benefit, you can restrict your election to ONLY the spousal benefit. This would allow you to collect the 50% spousal benefit while still gaining credits to your normal retirement benefit from ages 66-70 (the credit increases your benefit approximately 8% per year). After the law changes, at full retirement age, you would have to take the higher of the spousal benefit and your retirement benefit. You can no longer choose just the spousal and let your normal retirement benefit grow while still take the spousal benefit.

Please let me know if you have any further questions and please positively rate my answer if satisfied.

Ask Your Own Social Security Question
Social Security Expert: Christopher B, Esq., Attorney replied 2 years ago

I had your other question closed out. Did you read this answer OK? Please let me know if you have more questions or clarifications. If you are satisfied, please positively rate my answer as there should be smiley faces or numbers from 1-5 that you should be able to choose from. This extra step will not cost you extra and will only ensure that I am compensated by the site for my time in helping you. Thank you in advance.

Ask Your Own Social Security Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a social security expertLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Christopher B, Esq. Your Own Question
Christopher B, Esq.
Christopher B, Esq.
Christopher B, Esq., Attorney
Category: Social Security
Satisfied Customers: 4,136
4,136 Satisfied Customers
Experience: associate attorney

Christopher B, Esq. is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response...

T.G.WMatteson, IL

I WON!!! I just wanted you to know that your original answer gave me the courage and confidence to go into yesterday's audit ready to fight.

BonnieChesnee, SC

Great service. Answered my complex tax question in detail and provided a lot of additional useful information for my specific situation.

JohnMinneapolis, MN

Excellent information, very quick reply. The experts really take the time to address your questions, it is well worth the fee, for the peace of mind they can provide you with.

OrvilleHesperia, California

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!!

AlexLos Angeles, CA

Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult.

GPHesperia, CA

< Previous | Next >

Meet the Experts:

dylatess

dylatess

ATTORNEY

3,467 satisfied customers

37 plus years of SSD practice

Megan C

Megan C

Certified Public Accountant (CPA)

4,582 satisfied customers

Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level

LawTalk

LawTalk

Attorney

3,071 satisfied customers

I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.

R. Klein, EA

R. Klein, EA

Accountant

334 satisfied customers

Tax & Social Security Benefits specialist

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

233 satisfied customers

Licensed in multiple jurisdictions, experienced business attorney.

AttorneyTom

AttorneyTom

Attorney

16 satisfied customers

Attorney

Stephanie O Joy, Esq

Stephanie O Joy, Esq

Soc. Sec. Attorney

3,283 satisfied customers

22+ years legal exp. - 12+ years owning/operating her own SSD Law practice.

< Previous | Next >

Related Social Security Questions
I'm trying to determine if i qualify for social security. My
hello, i'm trying to determine if i qualify for social security … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
My husband passed away in 08 with a service connected
My husband passed away in 08 with a service connected disability I draw DIC I was reading that could also get his social security....i have not remarried and I am 55 yrs old … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I am 67 years old and am collecting social security
I am 67 years old and am collecting social security survivors benefits from my husbands social security pension. I have worked all of my life and paid into social security retirement all along. Am I a… read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I am widow, my husband passed in 1996 he was 43 years old. I
I am widow, my husband passed in 1996 he was 43 years old. I am thinking of retiring 12/2018. Can I collect his social security benefits until I reach age 67 when I will be illegible to collect my ful… read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I work full time, I turn 60 next month. My wife passed away
I work full time, I turn 60 next month. My wife passed away in May 2013, my question is, Am I eligible to receive benefits on her social security? … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I have been receiving ss benefits since age 62; I am now
I have been receiving ss benefits since age 62; I am now over 67. My wife is still currently employed and is age 62. Is she currently eligible to receive some type of benefit, just because I am receiv… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
My sister's husband died after starting SS. My sister is
My sister's husband died after starting SS. My sister is still working at age 62. They have an adopted son who is 12, qualifying him for ss child benefit. Will my sister's income affect/reduce the son… read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I turned 66 in Sept 2016. My ex-husband turned 65 in August
I turned 66 in Sept 2016. My ex-husband turned 65 in August 2016. We were married for 36 years. I want to try to. Claim 1/2 of his social security starting in Jan . 2017. And wait until I am 70 to tak… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
Can a spouse collect benefits from her husband's social
Can a spouse collect benefits from her husband's social security at age 62 and then switch to her own account at full retirement age?… read more
Phillips Esq.
Phillips Esq.
Attorney
JD
20,474 satisfied customers
New File and Suspend RulesI am a widow whose husband paid
New File and Suspend Rules I am a widow whose husband paid into social security. I file a few years ago as a widow, but was turned down because I made too much money. I am now 64 years old now, 65 in … read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
4,136 satisfied customers
I am currently on SS Disability as well as a personal
I am currently on SS Disability as well as a personal disability insurance. I turn 62 this month and my insurance id good until I turn 65. My husband and i were married for 28 years. I have a copy of … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I will not be 66 until May 4, 2016, but I am already 62. Am
I will not be 66 until May 4, 2016, but I am already 62. Am I still eligible to file and suspend?… read more
PDtax
PDtax
Owner
Master\u0027s Degree
1 satisfied customers
I'm 68 yrs old and my wife is 67. I've been drawing social
I'm 68 yrs old and my wife is 67. I've been drawing social security for 2 yrs since I reached 66 yrs old and was eligible for my full benefit amount. My wife has also worked for more than 30 years and… read more
Alexander Haraczka
Alexander Haraczka
Bachelor\u0027s
20 satisfied customers
I am female. I was a stay at home mom. I was married for 24
I am female. I was a stay at home mom. I was married for 24 years -- divorced and now remarried -- can I collect social security benefirs when I turn 62?… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
My husband and I are both working and both 67. is earnings
My husband and I are both working and both 67. is earnings are much larger than mine. I understand that if He applies and suspends his benefits and I apply for his benefits now (deferring my own until… read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers
I am male, widowed and 64 and not yet on social security.
I am male, widowed and 64 and not yet on social security. I do not plan to retire until I turn 70 and am eligible for the maximum amount. My good female friend is 62, widowed and currently receiving h… read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers
Hello, Im 61 and divorced. I recently became unemployed and
Hello, I'm 61 and divorced. I recently became unemployed and I was wondering if I am eligible for my former husband's social security. He died five years ago. We were married for almost 30 years. We w… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
a good friend of mine husband died 8 years ago she is 55 years
a good friend of mine husband died 8 years ago she is 55 years old with two older sons . SSA told her she was not eligible to collect benefits until she turned 62. I've heard of so many other people c… read more
Stephanie O Joy, Esq
Stephanie O Joy, Esq
Soc. Sec. Attorney
Doctoral Degree
3,283 satisfied customers
Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Show MoreShow Less

Ask Your Question

x