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Old 02-06-2018, 09:54 AM
 
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I'm a mid 50's female in good health right now and there is some longevity in my family. My full retirement age is 67. I've always done office work earning about $20,000.00 a year. Late last summer I lost my job and only earned $16,000.00 and have been unable to find another job so far. I was married to my former husband for 15 years. He passed away 10 years ago (and never re-married) when we were divorced. I would be entitled to his Social Security when I turn 60. During the last five years he was employed, he got a much better job than he always held and was earning $50,000.00-$60,000.00 a year. I know that the longer you wait to start collecting the more you're supposed to get per month, but I wonder if I'd actually get more by taking HIS SS benefits at age 60 since he earned significantly more than me the last several years he worked. Anyone have knowledge in this area?
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Old 02-06-2018, 10:18 AM
 
Location: Alexandria, VA
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https://www.ssa.gov/planners/retire/applying6.html
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Old 02-06-2018, 10:19 AM
 
Location: Alexandria, VA
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Lots of info. (you also must be at least 62, not 60)
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Old 02-06-2018, 10:30 AM
 
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Quote:
Originally Posted by Flamingo13 View Post
Lots of info. (you also must be at least 62, not 60)
They must have changed it. When I informed Soc Sec that he passed away 10 years ago, they said I could collect his at 60.
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Old 02-06-2018, 10:30 AM
 
3,154 posts, read 5,189,016 times
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Quote:
Originally Posted by Flamingo13 View Post
Lots of info. (you also must be at least 62, not 60)
A widow can collect reduced SS benefits as early as age 60 in some circumstances on the deceased husband's account. Not absolutely sure if this would apply to the OP's particular situation, though.
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Old 02-06-2018, 10:33 AM
 
Location: Out West
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If you are a surviving divorced spouse, I think this is the information you need:

https://www.ssa.gov/planners/survivors/ifyou3.html
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Old 02-06-2018, 10:37 AM
 
Location: California
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It is always best to make an appointment and sit down to speak directly with them. They can review his and your earnings and give estimates of what you will receive at your age and beyond. It might be beneficial to wait for a few years, but only they can tell you. Have you totally given up on looking for work? Once you are locked into a set amount you are pretty much stuck so with inflation just around the corner, it would be wise to talk about all your future options with them.
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Old 02-06-2018, 10:56 AM
 
588 posts, read 301,292 times
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Originally Posted by Heidi60 View Post
It is always best to make an appointment and sit down to speak directly with them. They can review his and your earnings and give estimates of what you will receive at your age and beyond. It might be beneficial to wait for a few years, but only they can tell you. Have you totally given up on looking for work? Once you are locked into a set amount you are pretty much stuck so with inflation just around the corner, it would be wise to talk about all your future options with them.
I'm still looking for work, but don't know how much my own SS would go down from being unemployed.
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Old 02-06-2018, 11:04 AM
 
Location: Idaho
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Originally Posted by Winter Sucks View Post
I'm still looking for work, but don't know how much my own SS would go down from being unemployed.
As I understand it, (and who really does fully?), your benefit will never "go down". However, it will not get larger either, (other than the yearly COL increases). Pretty sure a benefit is based on the 35 highest earning quarters, or something like that.

I could very well be wrong on this. Do as Heidi60 suggests: go into the office and talk with the experts.
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Old 02-06-2018, 11:04 AM
 
588 posts, read 301,292 times
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I appreciate all the help.
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