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Can I draw my social security when I am 67 even if I only…

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Can I draw my...

Can I draw my social security when I am 67 even if I only have 37 quarters?

Accountant's Assistant: The Retirement Accountant will know how to help. Please tell me more, so we can help you best.

What else do you need to know?

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Not that I know of. I have retired from teaching for 30 years and am drawing my TRS.

Submitted: 6 months ago.Category: Social Security
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Answered in 5 minutes by:
1/6/2018
Social Security Expert: Lane, JD,CFP, MBA, CRPS replied 6 months ago
Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 14,666
Experience: Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986
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Hi. My name’s Lane …

I hold a law degree (J.D.), with concentration in Tax Law, Estate law & Corporate law, an MBA in finance, a BBA, and CFP & CRPS (Chartered Retirement Plans Specialist) designations, as well - I’ve been providing financial, Social Security/Medicare, estate, corporate, non-profit, and tax advice, to clients on three continents, since 1986.

Bear with me a moment while I type up my response. Then if you have further questions we can go from there.

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Social Security Expert: Lane, JD,CFP, MBA, CRPS replied 6 months ago

So sorry, no , we must have 40 quarters to receive a benefit.

...

The amount needed, however, for a quarter (SSA now calls these credits) is $1,320 in 2018, so if you can do that in three different quarters, (say in a part time job or small side business) you'll be there.

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Customer reply replied 6 months ago
Can I draw my social security AND my TRS?
Social Security Expert: Lane, JD,CFP, MBA, CRPS replied 6 months ago

Social Security will reduce your social security under a provision in the law called WEP (Windfall Elimination Provision) but may not eliminate it.

...

"The WEP reduction is limited to one-half of your pension from non-covered employment."

...

You can read more aboun the WEP provision here: https://www.ssa.gov/planners/retire/wep-chart.html

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