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random question but does anyone know if this works the same way if the husband took SS early and the wife waits till FRA? my parents situation is opposite of yours
Yes, the rules work exactly the same regardless of which spouse files early. The early filer gets their own reduced benefit, and then when the other spouse files, the early filer may get a top-up if 50% of the second filer's PIA (reduced for the early filing penalty) exceeds their own benefit amount.
DONT FORGET ABOUT TAXES!!!!! Even if you stay under the earnings limit, you might still have to pay taxes on your Social Security benefits if your combined income is high enough. Up to 85% of your benefits can be taxable depending on your total income. Nobody warned me about this and I got hit with a surprise tax bill my first year on SS. 😡
When I retired last year the SSA rep told me something that helped me understand this: think of the earnings limit as ONLY counting money you actively work for. Your pension, investments, rental income, and most importantly your SS benefits do NOT count toward the earnings limit. Only wages from a job or self-employment count.
Thanks everyone for all this helpful info! I think I'm going to go ahead with taking SS 4 months early since the reduction is small, and I'll make sure to keep my weekend job earnings well under the limit until I hit my FRA in June. At that point I can work as much as I want without worrying about it. This has been so helpful!
wait i'm confused why does everyone keep saying ex spousal benefits?? isnt that only for retirement?? i thought he needed disability benefits??? im so confused by all these different SS benefits!!
Make sure your uncle applies as soon as possible! Benefits aren't retroactive indefinitely - typically only 6 months back from application date. Since he's 85, he's potentially been eligible for many years and has missed out on significant benefits. The process can take time, especially with international documentation, so start immediately.
Thank you for this advice! I had no idea there was such a limited retroactive period. We'll definitely start the process right away. Really appreciate everyone's help!
I see a LOT of confusion about this topic! My wife is 7 years younger than me, and we went through this exact situation. Here's what ACTUALLY happens: 1) Your husband CANNOT receive spousal benefits until YOU file for YOUR retirement benefits 2) The SSA calculator is showing a HYPOTHETICAL amount based on if you filed RIGHT NOW 3) When you DO file at your FRA, then your husband can apply for spousal benefits 4) He'll only get the DIFFERENCE between his current benefit and 50% of your PIA (if that's higher) Don't be fooled by that $1140 number - that's likely 50% of your projected PIA, not the actual amount he'd receive as a top-up. His actual top-up will be that amount MINUS his current benefit. And YES, it's worth waiting until your FRA to file!!!! Don't file early - you'll reduce BOTH your benefit AND any potential spousal benefit for your husband.
THIS!!! We got burned by misunderstanding this exact thing. My wife filed early thinking it would help ME get more $$ and it actually REDUCED what I could get from her record. Listen to this advice!!!
somebody told me once that if ur spouse dies the survivor gets the higher of the two benefits. not sure if thats true but might be something to think about with ur planning
That's correct. When one spouse passes away, the surviving spouse can receive the higher of either their own benefit or the deceased spouse's full benefit (what they were receiving or would have received at FRA). This is why it's often beneficial for the higher-earning spouse to delay claiming as long as possible - it potentially creates a larger survivor benefit.
Leo McDonald
One important thing to mention regarding EDS and related conditions - these can be tricky cases because symptoms can vary in severity day to day. Make sure your son's medical records capture this variability rather than just how he presents on "good days." A symptom diary documenting day-to-day limitations can be extremely helpful evidence. Have him track things like: - Pain levels throughout the day - Activities attempted and whether he could complete them - Hours spent resting/recovering after activities - Medication side effects - Episodes of dizziness, fatigue, joint dislocations, etc. This kind of documentation can be powerful when combined with medical records, especially for conditions with invisible symptoms that might not be obvious during brief medical appointments.
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Vincent Bimbach
•That's a brilliant suggestion - his symptoms do fluctuate dramatically from day to day. Some days he seems almost typical, then he's bedridden for the next three. I'll have him start tracking this immediately. Would a simple journal work, or should we use a specific format that SSA prefers?
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Kelsey Chin
A simple journal is fine, but I recommend creating a consistent format that includes: 1. Date and time 2. Symptom/limitation description 3. Severity rating (1-10) 4. Duration 5. What helped (if anything) 6. What activities were impacted This format makes it easier for SSA to connect symptoms to specific functional limitations that would prevent work. For example, instead of just "I was dizzy today," entries like "Severe dizziness (8/10) when standing for more than 5 minutes; had to lie down for 2 hours afterward; couldn't prepare meals or shower" provide the functional details SSA needs. Also, make sure your son is seeing his doctors regularly throughout this process. Gaps in treatment can be used against your case, even when those gaps occur because he's too ill to get to appointments.
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Jessica Nolan
•my friend made a spreadsheet for this! she said it really helped her case to show patterns
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