Q & A
I heard the full retirement age for Social Security will be 67…when is that going to happen?
Complete Question: I keep hearing that the full retirement age for Social Security benefits is going to increase to 67 years old. I’m currently 54 (born in 1958). Will my full retirement age be 66 or 67? Answer: Actually, it…
Is it always the best idea to file when you’re 70-years-old?
Complete Question: I see a lot of advice out there about waiting until you’re 70 years old to file for Social Security benefits. Is there any reason NOT to do that? Answer: You are right in that a lot of…
What is defined as income for the earnings limit?
Complete Question: I am going to get Social Security benefits and I am not yet 66. I was told I will be subject to the earnings limit. I only work part-time, but I also have income from investments and some…
When does the earnings limit start? I’m applying for benefits in June but will reach the earnings limit before then.
Complete Question: I am 63 years old and will start taking my Social Security benefits in June, 2015. When I talked to the Social Security office, they advised me that after I start receiving Social Security I will have a…
Should I sign up for Medicare even though I’m not getting Social Security until I’m 66?
Complete Question: I do not want to get Social Security until I’m 66 so I can get my full benefit amount. I will be 64 next month. I planned on working until the age of 66, but my employer recently…
I’m divorced and heard rumors about EX-spouse Social Security benefits. Is that really a possibility?
Complete Question: I’m 62 years-old and divorced. I was hoping to get spousal benefits, but I figured there was no way once I got divorced. Now I hear people say that I can still collect on my ex-spouse’s record. Is…
The 2015 COLA of 1.7% seems so low…has it always been this way?
Complete Question: I started Social Security in 2014 and got the 1.7% COLA increase for 2015. I don’t understand how that amount is keeping up with inflation. Is this what I should expect in the future? Has it always been…
What is the “Ticket to Work” program?
Complete Question: With all the disability discussion in the news, I was wondering if people on disability have an option to try to work? I’ve heard about “Ticket to Work”, but don’t really know what it is. Answer: The Social…
My ex-husband works…will those earnings reduce my spousal benefits?
Complete Question: I am filing to receive ex-spouse Social Security benefits. I was told by a friend of mine that her benefits are reduced because her husband works and makes too much money. I know my ex-husband works. Will his…
How do I know if I’m considered “disabled” by Social Security standards?
Complete Question: I have had a lot of difficulty maintaining a job because of an illness. My friends and family keep telling me to file for disability, but I’m not sure if I qualify. Is there a way to find out…