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Ask Rusty – I’m Terminal; What Are My Wife’s Options as My Survivor?

Ask Rusty – When Should I Claim My Survivor Benefit? National Social Security Advisor at the AMAC Foundation SPECIAL TO DEVILS LAKE JOURNAL USA TODAY NETWORK Dear Rusty: My wife passed away in 2014. I'm 60 years old and have been retired since August 2020. I know I'm entitled to survivor benefits, but my question relates to when to file for them. To say the information online is confusing is an understatement. Some background. My wife was born in 1960 and would have turned 62 next year. I was born in 1960 and turned 60 this past April. I do not plan on taking my SS until age 67 (I could wa...

Ask Rusty – My Social Security Card Is Incorrect – What Should I Do? Devils Lake Journal Dear Rusty: My sister and I have the same first and last names but are distinguished by our “middle” names. Our last name consists of two family names, which gives us both four, with only our middle names unique. We received two Social Security cards with the same name (middle name excluded), each with a unique number, but with our last name misspelled. So, my questions are: ·    Is it okay that our last name is misspelled? I called Social Security and was told to make an appointment online, ...

Ask Rusty – Will My Widow’s Benefit Replace My Own SS? AMAC Certified Social Security Advisor for Association of Mature American Citizens Dear Rusty: My husband is 76, retired for 4 years, and receiving Social Security. I am only 59 and still working. We are both in good health and I’d like to think we still have many years to enjoy retirement. My question: Is it true that if I start SS at 62, I can switch to my husband’s SS when he passes? If this is true (and his amount is slightly higher than my FRA amount), wouldn’t it make sense for me to begin collecting at 62? Signed: Younger...

Devils Lake Journal Dear Rusty: I will be 65 in August of this year. If I start drawing Social Security on my 65th birthday, how will my Social Security check be affected if I continue working at my full-time job, and take home $1380 every two weeks, until I reach my full retirement age? Signed: Working Senior Dear Working Senior: Social Security (SS) has an “earnings test” which applies to anyone who collects benefits before they have reached their full retirement age (FRA). There is also a “first year rule” which applies when someone claims benefits mid-year, prior to their full ...