Thanks everyone for the advice! I've decided to file when I turn 70 in a few months. I'll make sure to set aside enough for taxes since I'll be dealing with both work income and SS benefits. Really appreciate all the insights!

Just want to echo what others have said here - there's definitely no financial advantage to waiting past 70! I made this mistake myself and didn't file until I was 71 because I thought there might be some additional benefit for high earners who continue working. Nope! I basically threw away a year of payments that I can never recover. The good news is that once you do file at 70, you can absolutely continue working without any penalty. I've been collecting for 3 years now while still running my small business, and the SSA automatically recalculates my benefit each year if my current earnings are higher than one of my previous 35 years. It's actually pretty seamless. One thing to consider for tax planning - you might want to talk to a CPA about quarterly estimated payments once you start receiving both SS and business income. The tax withholding can get tricky when you have multiple income sources, but it's definitely manageable. Don't let tax concerns keep you from claiming what you've earned!

KEEP FIGHTING!!! Don't let them get away with this! When this happened to me I had to call my congressperson's office to get help when SSA was dragging their feet. The congressional inquiry lit a fire under them and suddenly they were VERY responsive. Don't be afraid to escalate if you're not getting answers.

I'm so sorry you're dealing with this - what a stressful situation! Based on what others have shared here, it definitely sounds like an administrative error during your conversion. One thing I'd suggest is also requesting a "benefit verification letter" from your mySocialSecurity account if you can access it - this sometimes shows more detail about how they calculated your current payment amount and might give you clues about what went wrong. Also, if you do end up needing to escalate to your congressperson, having documentation of multiple failed attempts to reach SSA by phone will strengthen your case. I really hope you get this resolved quickly - that's a huge difference in your monthly income and you shouldn't have to stress about this when the conversion was supposed to be seamless!

Everyone's talking about the website but my grandson helped me call the Social Security number (1-800-772-1213) and they mailed me a statement that showed all my options. Took about 2 weeks to get it. Shows what I'd get at 62, 67, and 70. I'm going with 67 since my health isn't great and I need the money. Don't believe what the financial advisors say about always waiting - sometimes taking it earlier makes sense!

Hi Miguel! I went through this exact same process about 6 months ago when I was planning my retirement. The my Social Security account on ssa.gov really is the gold standard - it shows your actual earnings history and gives you personalized estimates based on your real work record. For the identity verification issues others mentioned, I had better luck doing it during off-peak hours (like mid-afternoon on a weekday). The system seems less overloaded then. You'll need your Social Security card, a photo ID, and be able to answer questions about your credit history or past addresses. Since you mentioned working consistently since 22 with about 6 years off, you likely have close to 30+ years of earnings, which puts you in a decent position. The calculator will show you exactly how those gap years affected your benefit calculation. And regarding your brother-in-law's estimate of $2,500 - that's not unrealistic depending on your earnings history. The national average is lower, but if you had steady middle-class income for most of your career, you could definitely be in that range at full retirement age (67 for you). One tip: if you do decide to work a few more years, even part-time income can help replace some of those zero-earning years from the 90s in your calculation!

I'm 64 and claimed at 62, and honestly it's been one of the best decisions I've made. My monthly benefit is about $1,580 instead of the $2,300 I would have gotten at FRA, but having that steady income has completely changed my retirement planning stress levels. What really convinced me was watching my father-in-law agonize over the decision for years, constantly running calculations and worrying about "optimal timing." He finally claimed at 66 but spent so much mental energy on the decision that he couldn't enjoy his early retirement years. Meanwhile, I've been collecting for two years now and have used that guaranteed income to reduce my 401k withdrawals during market downturns. The other thing that worked in my favor - I was able to negotiate a part-time arrangement with my old employer specifically because I had SS coming in. Without that financial pressure, I could take a 20-hour/week consulting role that keeps me engaged but gives me tons more flexibility. The earnings limit hasn't been an issue since I keep it around $18k annually. Yes, I'm "leaving money on the table" in theory, but in reality I've gained peace of mind, financial flexibility, and two extra years of guaranteed income. Sometimes the emotional and practical benefits outweigh the pure mathematics. With your health concerns and solid savings, it sounds like you're thinking about this the right way.

I claimed at 62 last year and it was definitely the right call for my situation. My monthly benefit is $1,695 instead of the $2,450 I would have gotten at FRA, but I've already received over $20,000 that I wouldn't have had otherwise. What really helped me decide was looking at it from a risk management perspective rather than just the break-even math. Yes, if I live to 85+ I'll theoretically lose money, but I've eliminated several major risks: market crashes affecting my 401k withdrawals, potential changes to Social Security, and most importantly, the risk of not being healthy enough to enjoy the money later. I've been able to pay off my mortgage early with the extra cash flow, which eliminated a monthly expense and gave me even more financial breathing room. That psychological benefit of being debt-free has been huge for my peace of mind. One practical tip: I opened a separate savings account just for my SS payments and treat it as "bonus" money for travel and experiences. My regular retirement accounts cover my basic expenses, so the SS feels like found money that I can spend guilt-free on enjoying life. Given your health concerns and solid savings cushion, I think claiming early makes a lot of sense. The bird in the hand really is worth more than two in the bush when you're talking about your health and happiness in your 60s.

Oh meant to say, when your husband files at FRA, make sure he specifically mentions the kids' eligibility. Sometimes the claims specialists forget to ask about eligible children, then you have to start the whole process over again. Ask me how I know lol

Just wanted to add from personal experience - when you go to apply for the children's benefits, bring extra copies of all your documents! I made the mistake of only bringing one copy of each and they needed to keep copies for their files. Also, if you can, try to schedule your appointment for first thing in the morning - the wait times are usually shorter then. And don't forget that the benefits will be backdated to when your husband first becomes eligible (his FRA), so there might be a nice lump sum payment when everything gets processed. Good luck with everything!