Q & A
Ask Rusty – Will My UK Pension Affect My US Social Security?
Dear Rusty: I am 57 years old, was born in the UK, and since 1988 have worked in the US. I have always paid US taxes and Social Security. For the last 20 years, my annual income has typically been…
Ask Rusty – Will My Retirement Benefits Be Cut Because of My State Pension?
Dear Rusty: I took early retirement at 20 years from the Louisiana public school system in 1996. Since then, I have continued to work in private schools (except for 2 years in public). I now have over 20 years in…
Ask Rusty – Should My Wife Wait Until Age 70 to Claim?
Dear Rusty: I’m 74 and receiving my Social Security benefits. My wife is 68 and we are delaying her benefits until she’s 70. But I read an article about a wife receiving half of her husband’s benefit, which makes me…
Ask Rusty – Will Applying for SS Disability Hurt SS Retirement Benefit?
Dear Rusty: My husband turns 65 later this month. He has started having health issues – so much so that we are thinking about talking to his doctor about Social Security Disability. How would this affect him in applying for…
Ask Rusty – When Is the Best Time to Claim Social Security?
Dear Rusty: I will be 64 in May of this year, and I’d like to know the best time to claim Social Security. Signed: Anxious to Retire Dear Anxious: First, please understand that there is no one “best time” to…
Ask Rusty – My Social Security Card Is Incorrect – What Should I Do?
Dear Rusty: My sister and I have the same first and last names but are distinguished by our “middle” names. Our last name consists of two family names, which gives us both four, with only our middle names unique. We…
Ask Rusty – Will Taking 401K Distributions Affect My Social Security Benefit?
Dear Rusty: I’m 63 and retired from work, but not drawing Social Security. I have accumulated just over $300,000 in my rollover 401K IRA. My wife is still working full time, so we have medical, dental and vision coverage. I…
Ask Rusty – Can I Claim My SS Now and Switch to Spouse Benefits Later?
Dear Rusty: I am 62 and have been a homemaker for much of my adult life. I have a small Social Security account from working years ago. My husband is older, has been the major wage earner and will have…
Ask Rusty – When Can I Get Benefits from My Ex-spouse?
Dear Rusty: I know that I am able to get Social Security from my ex-husband. We were married for 16 years and I have not remarried. I will be 60 soon and he is 63. I do not know if…
Ask Rusty – Can I Still Suspend My Social Security Benefits?
Dear Rusty: Is it still possible to suspend Social Security benefits for a time? And, if so, how often? Signed: Curious Senior Dear Curious Senior: If you have already reached your full retirement age and are receiving Social Security benefits…