03-31-2007, 07:03 PM #1
- Join Date
- Mar 2007
IMPORTANT SOCIAL SECURITY INFO...
Since I will be 62 in December, I decided to go yesterday and apply for
early retirement. I came away both upset and happy.
Upset because I found out that since I am a widow, I could have been drawing
off my husband from the time I turned 60 (So I lost 2 years of benefits I
could have been drawing) and happy because I found out that from drawing off
my husband instead of mine, I will be getting about $250 more a month than
if I were to draw off mine. My husband died in 1975 and even though he
didn't make much money, (he was disabled since 1964, so therefore only
worked about 6 years) I will make more by drawing him and that my benefits
would start now. I don't quite understand how, but I'm not complaining.
Even though I've worked most of my life, they said I would benefit $ wise to
take retirement from him. And that even at age 65 and 10 months (my full
retirement age) I will still benefit by drawing on him instead of mine.
Good day to go in, yesterday would have been our 43rd wedding anniversary.
Oh, when you go in, make sure you have your birth certificate, social
security card, marriage license, husbands bc and death certificate, if he
was in military his DD214 (proof of military service), if divorced, divorce
papers, also your bank routing number and account number, as this is auto
deposit, if minor children their bc or proof of disability for you or child
if disabled. The better prepared you are, the faster it goes. I keep all
my info in a notebook in plastic sleeves.
Her is an excerpt from the Social Security booklet I got yesterday called
Social Security Retirement Benefits
Retirement benefits for widows and widowers
Widows and widowers can begin receiving Social Security benefits at age 60,
or at age 50 if they are
disabled. And they can take a reduced benefit on one record and later switch
to a full benefit on the other
record. For example/ a woman could take a reduced widow's benefit at 60 or
62 and then switch to her
full (100 percent) retirement benefit when she reaches full retirement age.
The rules vary depending on the situation/ so you should talk to a Social
Security representative about the options available to you.
Benefits for a divorced spouse
Your divorced spouse can get benefits on your Social Security record if the
marriage lasted at least 10 years. Your divorced spouse must be 62 or older
and unmarried. The amount of benefits he or she gets has no effect on the
amount of benefits you or your current spouse can get. Also, if you and your
ex-spouse have been divorced for at least two years and you and your
ex-spouse are at least 62, he or she can get benefits even if you are not
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