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Old 11-21-2018, 10:14 AM
 
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When you had the file and suspend and restricted application options a couple could really maximize benefits .
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Old 11-22-2018, 06:18 AM
 
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I am turning 64 in December and was married for over 10 years. I missed the date for being grandfathered for filing a restricted application by one year. My ex is 73 and took his social security at 62. If I wait until 66 to file, my social security will be about $2100 a month. I don’t know what my widows benefit would be when my ex dies.
I know his social security number. If I go to a social security office, can they tell me what my survivors benefit would be? What are my options at this point?
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Old 11-22-2018, 06:24 AM
 
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your benefit depends on when your fra is and how much under you take survivor as well as his age when he filed .

since he filed at 62 your would get 90.50% of his fra amount at 64 , 95.25% of fra at 65 and his fra amount at 66 .




if yours at 70 would be higher you can still take survivor now , let yours grow and take yours at 70 . only spousal benefits changed in that regard not survivor
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Old 11-22-2018, 06:27 AM
 
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He is not deceased, so should I just wait to take my own social security at 66? I wish I could take it now, but I don’t want a reduced benefit.
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Old 11-22-2018, 06:29 AM
 
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survivor and retirement have different amounts and rules .

you can only file for your own now as far as spousal goes . if 1/2 his full amount is more than your own full they will add the difference to yours .

as far as when you should file ? no one can tell you what you should do , it depends on so many things
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Old 11-22-2018, 06:33 AM
 
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Thanks,
That’s what I thought. I will just wait two more years and file at 66. My ex should have waited until at least 66 to file. He didn’t need the money.
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Old 11-22-2018, 06:36 AM
 
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it can be a wash either way if you have been following my past posts where i explained why
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Old 11-22-2018, 08:14 AM
 
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After further research, I will probably take it one month after turning 65. My benefits are reduced to 93.9%, which comes to $138 a month. Once I file, my Medicare premiums can’t go up more than my COLA.

Last edited by organic_donna; 11-22-2018 at 09:38 AM..
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Old 11-22-2018, 08:16 AM
 
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that is correct .however if you hit certain income brackets medicare premiums can jump . the highest tax brackets can be brutal
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Old 11-22-2018, 09:33 AM
 
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Isn’t that tax bracket $85,000 for singles? I should be able to stay below that number at least until I reach 70 1/2. Then my RMD will put me over. But I have to be careful with IRA withdrawals too. It makes sense to take IRA withdrawals from 65 to 70 and make sure to stay below $85,000, then at 70 my RMD will be lower. It’s such a balancing act.

Last edited by organic_donna; 11-22-2018 at 09:52 AM..
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