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Old 08-07-2013, 07:34 PM
 
Location: Central New York State
51 posts, read 91,133 times
Reputation: 56

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OK, I have to admit I do not know all the rules about S/S, so I pose this to the online 'experts' (that's YOU guys).
Our situation, Wife, 58 and has worked 30 quarters, gets SSDI right now, Me, 56, will draw my S/S at 62. What will happen?
- Will she get SSDI even after I file?
- Will she be able to file on her own?
- Will we both get S/S?
- Will the higher S/S wage be the only thing we get?

I would just like to have an idea what's ahead.
Thanks for any help.
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Old 08-07-2013, 09:22 PM
 
Location: Southwest Washington State
21,864 posts, read 14,364,134 times
Reputation: 30728
Quote:
Originally Posted by thmitch79 View Post
OK, I have to admit I do not know all the rules about S/S, so I pose this to the online 'experts' (that's YOU guys).
Our situation, Wife, 58 and has worked 30 quarters, gets SSDI right now, Me, 56, will draw my S/S at 62. What will happen?
- Will she get SSDI even after I file?
- Will she be able to file on her own?
- Will we both get S/S?
- Will the higher S/S wage be the only thing we get?

I would just like to have an idea what's ahead.
Thanks for any help.
Actually unless there is a SS pro here, we aren't the experts. Here is link to a Q and A from SS:

Frequently Asked Questions

I'd try there first.

What I do know is that two people who have earned SS credits can both draw benefits at the same time. I believe, but don't know directly, that SSDI turns into SS at retirement age. Your wife has Medicare benefits, no?

You can also visit the local SS office with your documents showing your wife's benefits (her statement from late 2012 or a tax doc) and any other pertinent docs and probably get some good info. You can also call SS. I've done this, and I want to say you should be prepared to wait for awhile before being allowed to speak with a person. However, there are people to answer questions, so it is worthwhile to do this.

You are right to be planning ahead for a smooth transition into retirement. Good luck!
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Old 08-08-2013, 03:23 AM
 
Location: Central Massachusetts
4,800 posts, read 4,845,678 times
Reputation: 6379
Quote:
Originally Posted by thmitch79 View Post
OK, I have to admit I do not know all the rules about S/S, so I pose this to the online 'experts' (that's YOU guys).
Our situation, Wife, 58 and has worked 30 quarters, gets SSDI right now, Me, 56, will draw my S/S at 62. What will happen?
- Will she get SSDI even after I file?
- Will she be able to file on her own?
- Will we both get S/S?
- Will the higher S/S wage be the only thing we get?

I would just like to have an idea what's ahead.
Thanks for any help.

I believe the answer is this. When your wife reaches age 62 she drops SSDI and draws her SS check. She continues to draw that for ever. She might be able to get spousal benefits until you collect. This I am not sure. You can file and collect anytime 62 and up. You could also file and postpone. It all depends on your situation financially. You really should ask at the SSA to get a more definite answer. If you haven't already log on line to the SSA website and you can use their tools to see what you will get and your best options. Good luck.
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Old 08-08-2013, 11:08 PM
 
Location: Southwest Washington State
21,864 posts, read 14,364,134 times
Reputation: 30728
And you should have been receiving a yearly notice that tells you what you are qualified to draw in benefits. I received one of these every year for several years before retirement.

You do want to enroll before you retire. I can't remember how much before, but more than a week or two! You visit a SS office to do that.
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Old 08-08-2013, 11:46 PM
 
Location: Out there somewhere...a traveling man.
39,534 posts, read 47,711,196 times
Reputation: 110347
OP, for quick and direct answers to your questions just pick up the phone and call your local SS office. Getting it straight from the horses mouth, as they say, will get you the correct answers to your situation.
Here is the main SS site that you can peruse and maybe that will help you in the meantime.

The United States Social Security Administration
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