62 or 70? What's the Best Age to Claim Social Security in 2025?

Dr. Ed Weir, PhD, Former Social Security Manager, DISCUSSES the differences in retirement ages. Working, early, delayed retirement credits, and MORE!!
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😃💯Who is Dr. Ed?
Dr. Ed Weir, PhD, Former Social Security District Manager; Former Family Services Specialist, Department of Social Services; Former Marine Corps Sergeant; University Adjunct Professor. Dr. Ed is one of the most experienced government benefits experts in the country and in his (semi)retirement, he has made hundreds of KZbin videos in order to help seniors, the disabled, survivors, retirees, disabled children, spouses, and others in every state get the benefits they earned and need!
⚠️I am not an attorney, tax advocate, or currently affiliated with the Social Security Administration or any other entity of the US Federal Government. My advice and opinions are based on my decades of experience inside the government. The Social Security Administration is the final decision maker when it comes to your benefits.
Legal Stuff: The views and opinions expressed by the host(s) during this program/event/content are solely those of the host(s) and do not necessarily reflect the views, opinions, or positions of the Social Security Administration, Medicare, Chapter Advisory, or Memoir, Inc., its management, employees, or affiliates. They make no representations or warranties regarding the accuracy, completeness, or reliability of the content provided by the host(s). Any statements made by the host(s) are for informational, educational, or entertainment purposes only and should not be construed as official positions of Social Security Administration, Medicare, Chapter Advisory, or Memoir, Inc. They disclaim any liability for any actions taken based on the host's views.
If you need help with Medicare, please contact Medicare, your local State Health Insurance Program (SHIP), your current Medicare insurance agent/broker/plan, or feel free to contact my Medicare partner, Chapter, at 352-841-0632.Chapter: Memoir, Inc. d/b/a Chapter is a privately-owned, data and technology-enabled advisory that helps older Americans navigate retirement. Insurance agency services are provided by Chapter Advisory, LLC, a licensed health insurance agency and wholly owned subsidiary of Memoir, Inc. In California, Chapter Advisory, LLC does business as Chapter Insurance Services (Lic. No. 6003691). The information on this site has been developed for general informational and educational purposes. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While they have a database of every Medicare plan nationwide and can help you to search among all plans, they have contracts with many but not all plans. As a result, they do not offer every plan available in your area. Currently Chapter represents 50 organizations which offer 18,160 products nationwide. Chapter searches and recommends all plans, even those they don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.
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[@michelebaumgardner7625]

I waited to age 70 to collect to raise my monthly amount. It went up $600 a month by waiting. I also kept working to bank as much as possible, leaving the workforce at age 72. Being divorced in my 60's necessitated this decision, giving me a livable amount monthly.

[@jannichi6431]

?. You could have made as much as you wanted after FRA.

[@jannichi6431]

8% per year. Stock market has better returns these days and compounds. Also dividends.

[@margcan]

There's no way I was waiting till I was 72.My mom died when she was 77.And if you only collect 45 years man that's a lot less than starting it sixty five

[@brucesnyder690]

Took mine at 62. Now 78, planning on another 25 years or so. It's been great!!

[@bettymedina2771]

Ive worked with ppl and its sad that they passed away the same week of retirement. Thats why my 2 houses are payed of no car note and blessed to retire at 62

[@scottjohnson921]

Me too. Everything payed off and I have rental income. I will turn 62 this September. I plan on taking retirement then.

[@marynelldoan1451]

You asked to be notified when anyone receives their WEP or GPO payments from Social Security. I just received mine along with the back pay owed. Wonderful surprise, especially considering that many KZbin pod casters were saying that it was going to take more than a year just yesterday. Please pass this along to your listeners.

[@francesmarino1765]

Congrats!

[@samuraishonan4706]

Spend it carefully but don't give up on life.

[@catherinewhitman8333]

@@marynelldoan1451 then you're one of the lucky ones ...I guarantee no everyone is getting that ...yet!

[@FYoung-di9bi]

Will this $'s be taxable??

[@sylviajones4907]

When did you submit your request (how long did it take)?

[@mommchan]

I'm 60, and I thank God he led me to your channel! I watch almost every day. I can't tell you how helpful your knowledge is for me and the other people I help out.

[@michaelwiebeck3]

The avg. American is having a tough time, I know I am not alone. There are others in same position as me. By certain statistics: 22% of americans have no retirement savings. 64% are worried that they will not have money in latter years while 47% of adults who are not yet retired think they have to work part-time in retirement. How can I best grow the 100k I have saved seperately outside retirement access which of course had depleted over the years?

[@kevinshannon160]

I called my Senator and left a message with the 3 questions that you said we should ask. Thank you for giving me something I can do. Kev

[@stephaniekc]

And did your Senator return your call?

[@Patricia-k1t7k]

Ed your really know your stuff.. I called SS today and yep my husband is eligable for additional benefits on my record!!! You are so smart never miss your videos!! Thank you Pat Dalton

[@MyGovExpert]

That is awesome! Thanks for letting me know. Take care, Ed

[@susanrocksvold534]

​@MyGovExpert Yes I share your channel on Facebook ❤

[@wifigrannyl.1354]

I'm happy for you.

[@jamessharier7529]

I support raising the FICA CAP across the board to shore up SS benefits

[@cutehumor]

FICA hasn’t raised since 1990. There have been opportunities to raise fica taxes when one party controls all of president, house, and senate. Both political parties have failed us

[@johnmills837]

Yes, I do to. But those high income folks won't like that.

[@ws775]

That alone does not shore it up. The Board of Trustees reports have said this.

[@cutehumor]

@@ws775 got to try something! Doing nothing is unacceptable

[@July.4.1776]

@@ws775… It would help…It sure beats doing nothing….

[@samuraishonan4706]

My brother applied at age 70. Within three months he died from aggressive ureter cancer. Think about it.

[@wifigrannyl.1354]

I'm so sorry you lost your brother.

[@katkinson2989]

Thank you for all of your time, energy and information regarding these topics. So helpful.

[@judybroshears7974]

Chapter is awesome. They took care if me completely. Thank you so much Shannon Davis❤

[@MyGovExpert]

You are so welcome!

[@berrybestfarmer9614]

It all comes down to how much you like your job.

[@DebLindley-xg8gz]

@@berrybestfarmer9614 It truly comes down to, what your body/health, can/won't allow you to or not to do. Sometimes life just isn't that "simple" for everyone.

[@pamelakingrry1177]

I got sick before full retirement and drs put me on disability so i didnt get my full retirement when i became elgible.

[@timsilva1944]

And these days, it comes down to how much you like being micro-managed by people that don't fully understand, have any real experience or even the capacity to do your job.

[@Qwazier3]

Or are able to perform said job.

[@Qwazier3]

@@timsilva1944 Preach it!!!!

[@jeffcokenour3459]

Thank you sir for serving our country. I'm a veteran also and about ready to retire with the new resignation offer.

[@wingandhog]

I turn 65 in July. Lots of decisions to make between now and then. Definitely retiring for the second and final time. Not sure if I will take Social Security or wait until FRA. It’s a bit of a difference

[@francesrosecarmel]

Thank you very very much….hoping to find something worthwhile like you have to continue to contribute and help people.

[@lisalister8002]

On hold for 2 1/2 hours with SS!! I ended up hanging up - I just couldn't stand the music any longer! ugh!!

[@kirkbixler2335]

You can have them call you back so you don't have to wait on hold

[@sandystevens7046]

Can you go in person?

[@reneeprall2012]

I figured put it's better to have them call you back, but call right away in the morning or it may get too late in the day to get a call back.

[@NanetteWoolston]

@@sandystevens7046 They might require that you make an appointment, so calling them is better than showing up at an office.

[@rkeppel4243]

When you sign up for a Medicare Supplement & Drug plan, make sure you ask if there is a drug plan with no premium. I paid $20-35 each month for 6 years, but discovered a no premium plan. You must do the math to see what your yearly cost would be with several plans. My no premium plan ended up being $200-400 less per year.

[@RN_BSN_PHN]

Its purely a matter of opinion. Which differs between all people. Who have different financial situations. The later you retire the more money you receive. If you want less money, are disabled, etc. Yes. Its best in your situation to retire earlier. If you're healthy and employed contributing to Social Security. Retiring later is better. I will retire somewhere between 67-70.

[@kevinshannon160]

My wife worked for about 25 years paying FICA and then became a teacher for 20 years and passed away in 2023. Can I file for spousal SS benefits?

[@billj9838]

I took mine at 62. At 57 I had a heart attack. My wife had breast cancer after all her treatment. She got SSI disability. We also have a Teamster pension each. We have a 401K and Ira. This decade were sitting just fine.

[@marcoslusso2163]

Can you explain how the delayed retirement credit is calculated? It seems that it is not a monthly increase.

[@jdel2719]

Hi Dr Ed, wonderful information, I have applied for SSD in Feb 2024 and immediately got a letter with my retirement date starting at 62. My application is gone through phases, it used to give me an update of the percentage the application went through, but now it stopped giving me updates on phase 3. They haven’t denied but no information is provided, it says than in Texas it takes 434 days to process the application. What can I spect…

[@susanrocksvold534]

😮 that's 2yrs+

[@chucklemberg4968]

I started at age 62. Taking into account the COLA increases from age 62 through FRA, my monthly benefit was within $100 of what I would have started receiving at FRA.

[@chrissypearson5597]

Chapter set us up yesterday! Woo-hoo, seemless, great experience, Thanks, ED

[@PreppingAngel]

Is it expensive to get their advice or help?

[@MyGovExpert]

Free!!

[@analuciacastelo]

I'd rather get less but retire earlier and enjoy while alive and younger

[@jcszot]

Me too! My husband waited and was then diagnosed with cancer and within 18 months he was gone. He did not get to enjoy the fruits of his laborers at all! I am not waiting. You can’t put a price on good health. I might have a few extra hundred bucks but if I’m lying on the couch sick and can’t go anywhere and do anything what’s the freaking point!

[@dirty8351]

Fully retired at 57. I would do it again.

[@gazelleflix]

What did you do as far as health insurance

[@Catherine_2571]

@@gazelleflixACA for me for now. Also 50s

[@naiyana288]

I continue working while I receive SSA benefits. Social security will adjust my monthly benefit? I am 68 years old now and working part time

[@floriholt242]

Dr Ed, thank you for your help. I hope you will have a minute to answer my question. I am 65 yrs old, i live on a pension that put me below poverty level, therefore i want to retire this year at the age of 65.5 . My retirement age is 67. How much i am going to penalized for 1.5 years? My social security it is going to be $500 when ill be 65.5 years old. Thank you very much in advance.

[@Psalm91-1]

My husband plans on taking Social Security at his full retirement age of 66 and eight months. I will be turning 65 in March. I don’t think it makes sense for me as a spouse to wait till I am 67 to get my half. So I will be getting my half when he retires. He plans on continuing to work full time for a while also.

[@pennylane36]

How exactly do you invest your Social Security benefits? I know you can’t put that money into a Roth IRA so what can you put it in? I thought most investments had to come from earned income

[@auricgoldfinger8478]

I started my SS at 68 and 7 months - last June. I’m not getting credit for the 6 months delay since January When will they catch up?

[@jaimemoreno4861]

I'm a disabled veteran rated at 100%. What is the process for me when I reach 62 and want to receive early social security ?

[@Java62PR]

Semper Fi.....I was "retired" by my company during the plague at 61.... waiting until full retire age of 67 1/2 to increase my total amount....right now, just living of dividends ....that will be mid 2029...close the the time SS is supposed to go broke , great !

[@victorkonini-ge1ni]

My calculation is only for 10 months because is easy to understand.

[@marvinphillips1326]

Question on SS benefits at FRA 12:50 I’m currently receiving a pension from CalPERS. If I take SS at 62, 63, 64 etc, do I have to pay taxes on my SS benefits when I turn 67 while still receiving my pension?

[@jm9040]

Does your pension count as earnings at 62?

[@JAYY_JAYY]

I am 45 if I make it I am clocking out at the earliest age possible. Preparing now

[@nojyhoshima2521]

Hi Dr Ed. If I start getting my benefit at 67, still continue to work at the same company. Will my benefit gets updated higher on my 70 assuming my ernings is higher at 70 than at 67.

[@DeborahDuran-zm4ns]

What about increasing Disability Benefits?

[@Serenityafterall]

File for it when you can because they may not give it to you . I’m 58 1/2 and cannot get it and disabled

[@jcrewguy123]

With the trust fund estimated to be depleted by 2035 or sooner, a question that many of us who are eligible (but have been holding off filing until FRA or later to file) is would it make more sense to file now, taking less per month, but knowing that changes (possible reductions to future benefit amounts) will need to be made? Considering the political climate, I could see where it may be better to take less for a longer period before possible reductions are implemented and not risk waiting until FRA or later.

[@MichaelMckelvey-k7l]

Im retiring at 62 because I'm unable to work and take care of a 2 1/2 year old. Are there any benifits?

[@paular8747]

what if you have full medical with the va do you need medicare

[@nomadicfenceman509]

Question, what if you’re self employed, can I just let the business grow and write myself a check that keeps me within the SS boundaries… and be good to go? It’s a 1 man construction type business

[@gildavojta7943]

Dr. Ed ! Thanks again as always for your help !

[@KristinMoon-g2n]

Question If my husband takes his Social Security at the age of 70 and I take it at 62 because mine won’t be as large as his. I was a stay at home mom for many years of our married life. If he dies before he gets his Social Security would I not get survival Social Security? Would I not get his number because his Social Security will be higher than mine

[@lizg1976]

Husband waited till 70. It isn’t just the extra amount in SS it is the match for 401K your employer continues to match. My husband is a very healthy 70 year old who still does T-25 so health has to be accounted for.

[@barrymitchell4424]

? Sir rental income does not count against SS ??? That sounds great

[@savvysouljarabroad]

Grand Rising Souljars! I’m so happy I found this channel. Great info from a pro.

[@COYO-T]

My plan in three years when I retire at 62 I plan on working till the end of march. I will have started collecting at the beginning of the year. I make about 6k a month before any deductions and will be under the 26k a year when I retire. Would I have an issue since I am making more the the 1900 a month for the three months? My birth month is Oct but will wait till Dec before filing.

[@elliottewideman2813]

I've been receiving ssdi for 9 years but went back to work for the last 5 years will my check increase?

[@mitzieketner7627]

What if you were on Federal Workman’s Comp that does not take out SS

[@openmind763]

I will be 62 and I am really considering retiring right after my 62nd birthday and moving back to my country of birth where I will be able to afford life even with less than what I would get at my full retirement age of 67. My father lived with less than half of what I will be getting and he lived to be 89. My father retired in his early 70th birthday. He received his SS for at least 19 year, although his last 3 years living were the hardest for him. He didn't enroll in Medicare because he never planned to use since wasn't planning to return to this country anymore and instead paid cash for medical care back home. In a way he saved more money to Medicare here, just like many people who never applied. I plan to apply and come over for medical care whenever possible, although medical care is cheaper where I come from and since I'm also hold citizenship of where I was born, I will be eligible to receive senior government medical care, similar to medicare here, but without the penalty if I don't enroll on time.

[@demitaylor8873]

What about those of us who were forced into retirement by fed govt and are under the fers benefits.

[@jannichi6431]

With stockmarket returns like the last few years in the double digits, many wish they would have started SS, just on investment grounds which compound and were greater.than 8% per year.

[@cindyingram4072]

My grandfather worked in a cotton mill where brown lung went uncompensated though well documented. He died two weeks after retirement from - you guess. It blows my mind that my generation/family value mindset is, "But he had a job thanks to the corp" (that required they shopped at the mill store where prices were inflated). So now I applaud those who don't feel they owe their lives to a rich CEO, but have no clue what to advise them. If you funded my investment ventures, I would feel I owed you REGARDLESS of my gain or loss.

[@Soucka74]

Dr Wier, I'm a disabled Vet and would like to determine when I should draw, where can I send my questions with my particular circumstances sir??

[@fredarusso-farley489]

Can you be denied SSI and still be receiving SSD. Amount of SSD is only 487.00 monthly

[@ronaldarchie7276]

I was on SSDI from 2000 till I turned 66 in 2023 I was transferred to social security in May of 2024 I received a letter saying I was on full benefits now I see no difference can you explain it to me.

[@moneymotivated7010]

Your disability changes to retirement at full retirement age. You may not notice the change for it disability & retirement remain the same

[@moneymotivated7010]

Your disability pymt is now retirement pymt.

[@moneymotivated7010]

Effective at full retirement age

[@edlawson2161]

Hey Dr., I am 61, been medically retired from GOV, for 3 yrs, this May, my medical retirement will be reevaluated and I will go to a normal retirement, instead of a medical. I will make around 1500.00, I also receive 3400 VA benefits, as well military retirement of 2500 per month…so that is 7400, per month…will this effect me on how much I can make, if I file for SS? I have a hearing for SSI in APR

[@6Minsto7Starbucks]

If i start taking benefits at 65, then request volutary benefit suspension at my FRA, then start working again at 67, my FRA, does that mean when i resume benefits at 70 ill get the higher payments or will they be based on what i was receiving at 65?

[@aelopez8270]

If you ask for SS to take taxes out of you SS. Will you get that money back when you file taxes? If you're not working or haven't worked all year?

[@dynamitebill6919]

What if I’m on secure disability and I want to retire to get my pension at 65 well, they still make a deduction I will. I still get my Social Security in the same dollar amount as if it was 67.

[@marybois-byrne6729]

65 yr old, widowed. Please include widows more.

[@punishrs]

Does a pension income count toward income earn limits?

[@robertmisiano8235]

I am a retired police officer and I retired with an offset I went to Social Security and they told me I had no offset

[@RVVanMan]

Learning here, but, what’s an offset? Thanks!

[@antonioreyes2692]

Have you EVER paid into FICA with the necessary credits or have a spouse who paid into FICA? If your answer is NO, then there is the why.

[@Luna-wv5zx]

I took mine at 62, I worked as an aide with the schools, aides make very little it went over the limit and had to make arrangements for payment back pay. The aide recieved a raise to 25,000 the following year from 19,000 they kept my check till payed off, I just resigned 😢 because it wasn’t worth it being my retirement age isn’t here yet. The school year is only 9 months with off in the summer but we get a 4 check payment as if you worked when in fact the remove that pay from your checks which already taxed. It just became too confusing. Apparent when I resigned I forgot to let them know in January that I was leaving in May so that they wouldn’t take for the whole year. They took it anyway. They sent a letter that they miscalculated my income and owed me but I didn’t receive payback. So I gave up😢

[@sandystevens7046]

I cant get very much so I continue to work Im 63.Confused about filing,Because I want to work ,why wont they let you make very much?

[@keithwaddell4103]

I will be taking my Social Security Benefits this coming March/2025 at age 64, my question has to do with my son who is 35 yrs old and was born with cerebral palsy and cannot work do to his visibility. He has been collecting SSI since he turned 18 and lives with me and I was told he may be able to collect SSDI off of my Social Security. Is this true

[@johntoney810]

i am on ssdi and i am 52 anyways I only get 1796 a month I worked for hospitals and nursing homes for over 9 and half years and also worked for state park and I see that the fairness act says healthcare workers and state employees so am I elidgble for a increase since i work for both health care and state

[@donaldpoundssr.7411]

What is the different between ssb and ssi

[@lazvt8469]

dealing with those now. SSI = welfare. SSDI = Disability (you or child/disabled child) based on parent's income history. My daughter should get a note soon from SSDI to collect up to 1/2 of my SS (which I just started). She didn't qualify for SSI cause she has a few thousand bucks in the bank. SSI tops out at $900-ish/mo....SSDI tops out at much higher amount...over $3000/mo. A confusing mess....

[@steventeague5818]

What about disability

[@GaryMoore-q2d]

¿I am 75 & @71was visited w/a stroke does this qualify for SSI? How do I apply?

[@barrymitchell4424]

? Sir if I have VA do I have to sign up for Medicare ?

[@susanrocksvold534]

Yes.

[@JEHOVAH485]

Yes, sign up for Medicare Part A (free) and Part B (depends on your income-starts at $187/mo). Tricare acts as your wrap-around coverage. You DO NOT need Medicare Advantage OR MEDIGAP supplements. Nor do you need an RX plan as Tricare covers your prescriptions.

[@danitaneal9930]

Hi my husband receives his retirement now at 62 I myself receive mine through disability I'm 62 can I receive some of his retirement ?

[@JoAnneMaloney-rp3ox]

Question - When I retire, my daughter can claim extra benefits (currently on disability) however, Social Security needs documentation showing she was disabled before I think the age of 18. She’s 46 and I cannot get any records going back that far. Is there a way to bypass this? Thank you.

[@danaf9079]

Is the 23,400 extra what you can earn above what you collecting for Social Security?

[@kiwiroy48]

Took mine at 65 -12 years ago , worked as an Auto Technician and didnt have any good body parts left . I'm 76 and can play Pickle ball almost every day. Everything I have is paid off and get a lot of Senior benefits, most of my Friends have passed away so retire as soon as you can .No sense making your boss more money 😁

[@theRealRobMart140]

Dr Ed, I have a question about the high 35, I plan to retire at age 63 at that point I will have worked 45 years and I will have enough pension/401k to live comfortably without SS, If I wait until 67/70 to start taking SS does the 4/7 years of not working get figured into 35 years???? I cannot find this information anywhere.

[@timsilva1944]

The answer you seek lies in your question.

[@bethdavis-x7p]

I have been told by SS employees that since I started getting my SS at 62 I am not eligible to receive any money from my husbands benefits. Is this true?

[@kimhelms3669]

Is he drawing his SS benefit yet? You can’t draw spousal benefits until he starts drawing. Also, you would only be eligible if 1/2 of his check is more than your benefit.😊

[@PreppingAngel]

I'm 61 and he is 62. He is working a full time job. (Long haul trucker with a physical leg injury)Forced divorced because of my disabilities and medical issues. (together 45 years.) So, if he wants to take early retirement he would be penalized and still be paying taxes in with his weekly check? He's tired of being gone all the time. :( He basically lives in his truck. We just don't know if he should take early retirement and be penalized. He makes about 80,000 a year and they take a lot of federal tax out. He gets penalized and they take tax out of each check as well as Medicare? So, Isn't that a form of double dipping? There are at least 7 people that paid in all their lives and didn't live to see a dime. Passed in their late 50's to 66. I also live across from a funeral home in a small community and there are so many that pass before full retirement it's unreal. So with all of that it's a roulette wheel on whether anyone ever live long enough to collect a dime. In our view it's getting quite rare

[@wildbillak]

How many doctors/attorneys would I have to pay in order to receive SSDI? Especially when I hadn’t been able to afford to see a doctor for the last decade.

[@teresasachs3979]

No one knows only you know!!! Who is to say how long you will live. Get it while you can!!!

[@landriver1]

I've never talked to anyone who regretted taking SS early

[@sctexan5392]

I wonder how many people posting here that they can't live on their SS check, took it early. When you're 80+ a check $500+ a month more , sure would be nice

[@adelaacevedo2087]

Can you say what age is that

[@adelaacevedo2087]

Can you file for Medicare if you’re husband has you on his health insurance

[@davepeterschmidt5818]

I'm not going to take my benefit early, and there's a good reason why. My wife is 20 years younger than I am and is likely to outlive me by a significant number of years. Her own SS benefit will be far smaller than mine so she'll be using mine when she reaches retirement age. I want to maximize her survivor benefits after I'm gone, and that means waiting until 70 to take my SS benefit. I'm currently 61 and healthy. I expect to live a long time yet, so I believe I will also ultimately see more dollars by waiting, even though it will take longer to get them.

[@streetsmartintelligent]

3 yrs still waiting on disability decision, ssa case worker keeps requesting same info he already has... I have 6 SSA blue book qualified doctor documented disabilities. Yet case worker keeps harping on "brand new" disability issues needing info on instead of just pushing the case thru for a decision. YES, I have a attorney, worthless I feel... Can one get a different case worker?

[@streetsmartintelligent]

Filed early for retirement full retirement age is 66.. did it because of waiting 3 yrs for disability & health issues. Work very part time. Retirement not paying much a month 1200.00! BUT had nothing & been waiting over 6 months needing to see doctors....but no money. Any suggestions for me?

[@j.m.7056]

Maybe different attorney.

[@cg1kelela]

@DrEdWeir when you were referring to delaying benefits once you've reached your full retirement age you can delay... Are U referring to someone already collecting SS & decides they want to receive FULL benefits, so they call to STOP receiving & request to delay them until 70? NEVERMIND.. I listened again & answered my own question 😂

[@DianeBollman-h4v]

I want to take ss at 62 in 2025.I have filled income tax jointly with my spouse in the past. He has W2 I have 1099. I make under the current limit for SS but if I were to take SS this year while working and file jointly with my spouse does SSA consider this as my total income thus putting me over the SS limit for my drawl? If yes, Then what do I do?

[@robertpigott5312]

It's not complicated. SO much nonsense out there among financial folks about when to start Soc security payments. You receive the same amount no matter the age you start. Start sooner get paid less over a longer period of time. Start later and receive more over a shorter period. The fly in the ointment is death. If you start later you risk death and losing all the funds you and your employer contributed over 40 plus years. The gov't takes it.

[@lisalinnerud2292]

Do I have to have the divorce papers to claim ex spouse benefits? What do they need so I can claim benefits from ex spouse?

[@DebLindley-xg8gz]

The requirements for IEDS (Independently Entitled Divorced Spouse) benefits are, you and your ex spouse have to both be at least 62 years old. Be single if the ex is still alive. Collecting on your own record first. His PIA (Primary Insurance Amount) has to be 2x's yours. You will need the original Marriage Certificate and Divorce Decree with the seals on them or stamps. The SSA will let you know what's acceptable.

[@moneymotivated7010]

Marriage license & divorce papers

[@MichaelPrudhomme-u7x]

Mandatory Medicare that doesn’t provide overseas coverage needs to be amended.

[@terrancewilson5035]

I took social security retirement at 64 because i hurt my back and didnt want to jump thru ssdi hoops.

[@WillieVET]

Thank you for the info. I just requested SSDI. Today is my initial interview. I'll be 62 in April.

[@dormandavis2767]

I got it at 64

[@aclem8246]

Average life expectancy in US is 77. If you have a pension plan and savings you should retire as soon as you can. If you are relying on social security you should wait until full retirement age to draw from it and continue to work a couple of years full time if you are fit and bank the money. If you are in not so great health work part time and draw social security at full retirement age.

[@RocksdStarrr]

my sister in law started to draw from SSS last year when she turned 67 but did not sign up for Medicare because she said she is still working and has insurance with her work. Can she still sign up now if she changes her mind. Will she be penalized?

[@1BlueH2oDiver]

There ought to be two retirement ages. There is a carrot to work til 70 if you can. You would be at the top of employee knowledge and skills and a greater benefit to employer--AND SOCIETY! 😊

[@rivermom091188]

Can you please do a show on widow/survivors benefits?

[@kimhelms3669]

He has. Search his previous videos.

[@victorkonini-ge1ni]

If I collect benefice on 70 I get that 8% ,in year after 67 ,but don’t I’m losing three years money that I didn’t collect? Suppose I get 1000 a month and for three years until 70 I get 8% a year this means I get 80 dollars a month on 68. 160 dollars a month on 69 and 240 dollars a month on 70 .so I will make 680 dollars extra a year on 68 years of age and 1600 dollars extra on 69 and 2400 dollars on 70 but I’m losing 1000 dollars a year on 68 1000 dollars on 69 and 1000 a year on 70 ? If I’m correct I’m losing 3000 dollars on those three years if I don’t collect the benefice to gain 4,680 for those three years if I didn’t collect the benefice .Please if I’m wrong correct me .Great video thanks!

[@randalsaladbar]

I thought project 2025 gets rid of SSI?