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Thread: Finally Made A Decision For A Path Forward

  1. #11
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    Quote Originally Posted by SiouzQ. View Post
    I keep reading different things about this, and the lady at my local SS Office told me otherwise. But now I am on their website and it reads just like you have been saying. I really wish they would use "Spouse A and Spouse B when describing these scenario's. I am definitely going to call SS today and just be prepared to be on hold for a long time.
    Good luck and I hope the lady at the local office turns out to be right!

  2. #12
    Senior Member catherine's Avatar
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    Isn't it a case of choosing his or yours? I get my own DHs, which is double his, so maybe he could have chosen my SS at 50% or his own, but that would have been pretty much the same. I know when someone dies, you choose theirs or your own.
    "Do any human beings ever realize life while they live it--every, every minute?" Emily Webb, Our Town
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  3. #13
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    Quote Originally Posted by catherine View Post
    Isn't it a case of choosing his or yours? I get my own DHs, which is double his, so maybe he could have chosen my SS at 50% or his own, but that would have been pretty much the same. I know when someone dies, you choose theirs or your own.
    I don't think it's that simple--the website says this:
    "Spousal benefits can start as early as age 62, but are reduced for each month they are claimed before FRA (the reduction percentage differs slightly from that applied to retired-worker benefits).

    A Comparison of Free Online Tools for Individuals Deciding When to Claim Social Security Benefits (ssa.gov)

  4. #14
    Senior Member iris lilies's Avatar
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    I can hardly wait until the “just a piece of paper” unmarried crowd starts navigating these spousal benefit waters.

    I have no problem with people living together without legal marriage because they are adults making adult decisions.

    Their problem more often than not is: they are clueless about the legal benefits of marriage.There are so many legalities that get fked up when forming a union without the legal protections (and obligations) of marriage.
    I am not a serious person.

  5. #15
    Senior Member SiouzQ.'s Avatar
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    Tybee was right - I just got off the phone with SS (only on hold for 1 hour and 20 minutes, lol). If I chose to take Spousal Benefits when K. files at his full retirement age in Dec. 2025, I only get a percentage (like 33%). The only way I could get 50% is if I wait until my full retirement age.

    So here is what is going to happen - I have a phone appointment on March 14th (the soonest I could get)! I will be applying for both my SS benefits and for SSDI. To get my paltry $1055 will take up to 60 days, and to get Disability could take up to 8 months. I don't know what else to do at this point other than suck it up that I will have nothing coming in for awhile except random jewelry sales as my stock dwindles down.

    K. has a very good job so we will have no problem getting by. It's more of a mental thing with me. I have to focus on my health like I have been doing. I have a lot of tests and appointments coming up to try to fit all the puzzle pieces together. I just got my latest Cervical Spine X-Ray report back and for the first time it said I had severe disc degeneration in C-5 to C-6 AND that it was finally confirmed that I have a set of extra cervical ribs which no one took into consideration for over two years even though I'd tell every doctor repeatedly that that was what I was told 25 years ago.

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