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10-25-2014, 11:33 PM | #1 | ||
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Junior Member
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hello, i am 58 years old. and have been drawing disabilty since 2004. i only get about 509.00 a month. my husband will be drawing his social security soon. which is a whole lot higher than mine. i uderstand that i can start drawing off his instead of mine, when i get 62. because of the higher amount. but i also understand i will get it at a reduce rate. does anyone know what the reduce percentage would be. thank you
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10-25-2014, 11:41 PM | #2 | ||
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Junior Member
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hello, im 58 years old and have been on social security since 04. which is 509.00 a month. my husband is drawing his social security retirement now. i understand that when i turn 62 i can draw off his instead of mine. since his is the higher amount. but i also heard it will be greatly reduced. because i will only be 62 . can anyone explain to me how this works. thank you so much..
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10-26-2014, 12:24 PM | #3 | ||
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Magnate
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10-26-2014, 03:51 PM | #4 | ||
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Member
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Quote:
While your husband is living, at full retirement age you would be eligible for 1/2 of his benefit if it is higher than what you get on your own, $509. You don't get to choose spouse's benefits over your own. If you apply at age 62, you would have a permanent reduction of 25%. Working backwards, $509/.75 x 2 = $1357. So, his benefit would have to be over $1357 per month for you to even get $1 more. If he is getting $2000, you could get $750-$509 = $241 |
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10-27-2014, 11:52 AM | #5 | ||
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Junior Member
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Quote:
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10-27-2014, 11:57 AM | #6 | ||
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Junior Member
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Quote:
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10-27-2014, 12:11 PM | #7 | ||
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Junior Member
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ty for the website. sincerely snow0700
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10-27-2014, 03:54 PM | #8 | ||
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Junior Member
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cant ask social security anything. last time I called with a question. they somehow got confused. and resent me a awards letter approving my disability. and I had to wait I think a month to get my first check..only troble is, I was on disability for 2 years already. but I coulnt get that across to them. so I ended up forgetting the whole thing. they never did send me the check they cheated me out of..lol
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10-27-2014, 11:43 PM | #9 | ||
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Magnate
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If a check was lost, then go to your local office and notify them of the month and year. I'm sure they can do an audit and reissue a check. Direct Deposit takes care of those kinds of problems now.
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10-28-2014, 09:25 PM | #10 | ||
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