Russell “Rusty” Gloor answers AMAC member questions on claiming strategy, spousal benefits, COLA, Medicare, and more — in plain, practical language.
Real questions from AMAC members, answered in plain language by a certified advisor.
Delayed Retirement Credits (DRCs), which are earned when someone delays claiming until after their Social Security full retirement age, are applied only in January of each year.
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If your spouse’s FRA entitlement is less than half of your FRA entitlement, your spouse will get a “spousal boost” to bring his monthly retirement payment up.
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My husband is already taking his SS benefits, so I have also wondered if it be advisable to take spousal benefits or full benefits.
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Whether your earnings while in the military would provide you with any additional Social Security benefit depends on your career earnings after leaving military service.
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Assuming her life expectancy is at least average, that is how your wife would get the most cumulative Social Security benefits over her lifetime.
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Regarding Social Security’s financial issues, three people contributing to Social Security for every one beneficiary sounds to me like a surplus.
Read the answerRusty’s answers, out loud. Real member questions on claiming strategy, spousal and survivor benefits, COLA, and Medicare — answered in the same plain, practical language as the column.
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Rusty answers AMAC member questions about Social Security claiming strategy, spousal and survivor benefits, COLA, and Medicare enrollment — translating complex rules into plain, practical guidance.
His column has grown to hundreds of answered questions, and every reader can submit their own. For personalized help, the AMAC Foundation also offers a free, no-obligation Social Security consultation.