Q & A

Ask Rusty – Going Back to Work after Retiring

Dear Rusty:  I am 63 ½ and I am officially retiring from my job on August 1st because I’m physically unable to do the work anymore. I have qualified for a pension from work and I also want to start…

Ask Rusty – “Rat Holes” in the Social Security System

Dear Rusty: I am single and will be 63 on July 1 this year. I was born in 1955. I have been considering retiring sooner rather than later. (In other words, before FRA, which for me is 66 and 2…

Ask Rusty – Benefits for Disabled Adult Son

Dear Rusty:  You were so kind to answer my recent questions about Social Security and I really appreciate how quickly and accurately you accomplished it. Now I would like to ask for your help again for my son (age 61)…

Ask Rusty – Working while collecting Social Security disability

Dear Rusty:  My husband started getting Social Security disability in 2016 at the age of 61; he is now 63. Did it automatically switch over to regular Social Security? Also, he is feeling bored and would like to have a…

Ask Rusty – Collecting Social Security while Working

Dear Rusty:  I’m trying to assist my spouse with her rapidly approaching age 62 when she can get her Social Security benefits. Currently she is working almost a full 40-hour week and her 2017 gross earnings were $29,000. If she…

Ask Rusty – Overpayment Notice due to Ex-spouse Benefits

Dear Rusty:  My husband got an overpayment notice from Social Security telling us that his former wife had collected $32,640.34 in benefits she wasn’t entitled to and they want us to repay the overpayment. We knew that his ex-wife had…

Ask Rusty – Social Security for Retired Trooper in second career

Dear Rusty:  I am a retired Indiana State Trooper but I’m working at a second career at the present time. What information would you need to let me know about what percentage of my Social Security I will lose out…

Ask Rusty: Does turning 65 change my Social Security benefit?

Dear Rusty:  I started drawing Social Security at age 62. At that time, I checked what half of my ex-husband’s Social Security amount is and it was not much different than what I am getting so I decided to just…

Ask Rusty – Spousal and Survivor Benefits

Dear Rusty:  I worked in my career, but I now get Social Security disability. My husband retired in 2015 at age 66 and took his Social Security at that time.   When he is 70 can I get spousal benefits from…

Ask Rusty – State Employees getting reduced Social Security

Dear Rusty:  I’m retired for almost 17 years, and want to know why Massachusetts is one of only 6 states in the US that went along with President Reagan’s double-dipping proclamation regarding Social Security? I worked for 15 years whereby…

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