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Most Recent Question and Answer on NewRetirement Answers...

I have been married for 28 years. I am now divorced & neither of us re-married. My Ex husband plans to take his Social Security at age 62 (two years from now). I plan to take mine at 66. I am two years older than he is. What happens If I apply to get my portion of his SSI? Do I have to take mine at the same time? Or can I get a % of his and hold back mine? Thanks
Asked by someone from San Diego, CA on 3/21/2017

You will get the larger of something less than 1/2 of his full-retirement-age benefit or your own benefit. If possible, delay your social security benefit as long as you can afford to (without hazarding your emergency funds) up to 66 if 1/2 of his full-retirement-age benefit is larger than yours, otherwise as long as age 70 if you think you are in better health than the average person.

Henry Hebeler
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NewRetirement is a new approach for retirement planning – comprehensive, easy, personalized and designed for regular people. We started this company because our own parents needed help with retirement planning and there were not any affordable and trustworthy resources.

NewRetirement’s calculator is designed for anyone who is worried about their retirement – especially people nearing the end of their careers who are in their 50s and 60s. We help people figure out how to draw down their savings as well as think through things like Social Security, income streams, Medicare, work and phased retirement and how to manage debt, expenses and out-of-pocket medical costs to live as securely as possible.

The system puts you in charge of how you want to use your resources so that you can make better decisions about your future.