FRA
When Should My Wife Claim Social Security? – Ask Rusty
Dear Rusty: We could use guidance on optimum dates for my spouse to begin taking Social Security (SS). She doesn’t...
About Social Security’s “First Year Rule” and Withdrawing from SS -Ask Rusty
Dear Rusty: I am 63 years old, and about to apply for my Social Security benefits. I am self-employed but...
Social Security Survivor Benefits – Part 2
Understanding the “Widow Limit” The “widow limit” rules apply in situations where the higher-earning spouse took their benefits early, such as...
Social Security Survivor Benefits – Part I
Perched high on the list of questions most frequently asked of the AMAC Foundation’s Social Security Advisor Service is the topic of...
When to Apply for Social Security Spouse Benefits
Here at the AMAC Foundation’s Social Security Advisory Service, we answer thousands of inquiries each year, largely focused on when...
About Claiming Social Security Early and Investing It – Ask Rusty
Dear Rusty: I am a 63-year-old single lady, and I have questions regarding Social Security "early retirement," though I will...
I’m Divorced; Can I Get Benefits from my Ex-husband? – Ask Rusty
Dear Rusty: After 16 years of marriage, we were divorced. I have never remarried, but he has. When he starts collecting...
Why Didn’t My Friend’s Wife Get All Her SS Immediately? – Ask Rusty
Dear Rusty: A friend told me about what he believes is a strange thing in the Social Security system. His...
My Wife Believes She Can Get a Spouse Benefit While I’m Still Alive; Can She? – Ask Rusty
Dear Rusty: A friend of my wife told her, and she believes, she could receive a Social Security benefit based...
If We Both Collect Social Security, will our Benefits be Affected? – Ask Rusty
Dear Rusty: I reached full retirement age back in June, but I have not yet filed to collect Social Security....
How Do I Navigate the Social Security Maze? – Ask Rusty
Dear Rusty: I am a woman, turning 65 this October (2025). It seems that deciding when to claim Social Security...
Should I Take Social Security Now, or at age 70? – Ask Rusty
Dear Rusty: I was born in April 1958, and my plan has been to take my Social Security at age...
Should my Spouse be getting half of my Social Security amount? – Ask Rusty
Dear Rusty: I was referred to you to ask a question about Social Security benefits. I receive about $1,700 a...
I’d Like to Retire Early, but Don’t Want My Social Security Reduced – Ask Rusty
Dear Rusty: I will be 65 this year and my husband is 72 (he retired in 2019 at age 66)....
Can I Claim My Own SS Benefit Now and Get Half of My Husband’s Benefit Later? – Ask Rusty
Dear Rusty: I would like to get an answer concerning taking my Social Security benefit soon and switching to my...
What is the Formula for Deciding When to Claim? – Ask Rusty
Dear Rusty: I am curious about the "formula" to decide when to take Social Security while still working. I am...
Can My Husband Work Part Time and Collect Social Security? – Ask Rusty
Dear Rusty: I am writing to you on behalf of my husband. His intentions are to go part time as...
Demystifying Social Security’s Full Retirement Age (FRA)
Once upon a time, there was no mystery about Social Security’s full retirement age – everyone received their full benefit...
Safe & Legal Conventions
Michael Farris illustrates the truth in this five minute video versus the lies regarding Article V’s convention of states to...
10 Ways to Boost Your Social Security Benefits
Social Security, combined with your 401(k) and IRA savings, can help you retire comfortably. Social Security was never meant to...
10 Ways to Boost Your Social Security Benefits
Social Security, combined with your 401(k) and IRA savings, can help you retire comfortably. Social Security was never meant to...
Demystifying Social Security Spouse Benefits
Among Social Security’s myriad regulations, few topics are more misunderstood than spouse benefits. Terminology is important here – “spouse benefits”...
Ask Rusty – Can A Working Widow Collect Survivor Benefits?
Dear Rusty: I'm 63 and still employed. My husband passed away 7 years ago at the age of 58. Am...
Ask Rusty – Octogenarian Asks About Wife’s Spousal and Survivor Benefits
Dear Rusty: I am now 80 and my wife is 76, and we both took early Social Security benefits at...
Ask Rusty – About Applying for Social Security Benefits
Dear Rusty: I will be turning 65 this December and will most likely continue working until July of 2024 at...
Ask Rusty – Younger Widow Asks About Collecting Survivor Benefits
Dear Rusty: My husband died several years ago in 2019. It is my understanding that I should be receiving some...
Ask Rusty – Can My Wife Claim a Spouse Benefit First?
Dear Rusty: I have been getting Social Security since age 66. My wife turned 62 in June. We are thinking...
Ask Rusty – What Are My Wife’s Benefits While I’m Living and as My Widow?
Dear Rusty: I will be 70 in January and my wife will be 65 in February, at which time we...
Ask Rusty – Will Claiming Early Affect My Wife’s Survivor Benefit?
Dear Rusty: My wife will be turning 62 and eligible to collect Social Security this year. We realize it will...
Ask Rusty – Can a Widower Get Full Survivor Benefits Early?
Dear Rusty: My wife passed from COVID-related heart disease in 2020, just short of her 65th birthday. I will be...
Ask Rusty – Will My Wife Get a Spouse Benefit When I Claim at 70?
Dear Rusty: My wife started receiving her social security at 65 (her full retirement age), and she will be 69...
Ask Rusty – Please Help Us with Social Security Planning
Social Security Dear Rusty: Would you please advise on my wife and my Social Security planning? I'm 69 & 2...
Ask Rusty – Will I Have Any Social Security Benefits?
Dear Rusty: I’m 60 years of age and wonder if I will have any Social Security retirement benefits. After all,...
Ask Rusty – Is My Analysis of my Wife’s Social Security Correct?
Dear Rusty: I am 63, and my wife is exactly 4 ½ years younger than me to the day. I...
Ask Rusty – How Do I Get Back Benefits Withheld Due to the Earnings Limit?
Dear Rusty: If I work and take Social Security before my full retirement age, how can I find out how...
Ask Rusty – Should I Quit Work to Preserve My Social Security Benefit?
Dear Rusty: I recently took a big pay cut in my job. Several older friends have advised that I not...
Why Can’t I Get Survivor Benefits from My Husband? – Ask Rusty
Dear Rusty: My husband and I were only married 5 years before he passed away from cancer. I am 61...
Will Applying for SS Disability Hurt SS Retirement Benefit? Ask Rusty
Dear Rusty: My husband turns 65 later this month. He has started having health issues - so much so that...
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The Association of Mature American Citizens (AMAC) is here to protect your interests, and to offer an alternative perspective on how to best solve the problems seniors face today. We need you. America needs you.