Retirement Information and Tips
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
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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.
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