[SOLVED] Husband on SSDI, spouse is now 62

[dcbdbis]

What is the name of your state? Colorado

I was placed on SSDI as a result of strokes 8 years ago. Now, my wife is 62 and qualifies for her normal SSI @ 62.

If she files, will this affect my SSDI?

THANK YOU!


Sincerely and respectfully,

Dave

 

[Janke]

It is not SSI, Supplemental Security Income. But she can file for Social Security Retirement as a spouse. Has zero impact on your SSDI. So can your former spouse who is age 62 and who was married to you for 10 years and is not currently married to anyone else. As well as any other former spouse who meets those requirements.

All spouse's benefits are reduced by an individual's own Social Security Retirement.

RSI is an acronym that could be used to describe Social Security Retirement and Survivor Insurance. Some earnings record and payment comps apply, but age and relationship is a determining factor, not disability.

 

[FlyingRon]

All spouse's benefits are reduced by an individual's own Social Security Retirement.

Eh? Spousal benefits are not affected by anybody else's retirement benefits.
The spouse will get the higher of what she is entitled to based on her own work history, or what the spousal (50% of the spouse's) benefit would be.

If you are old enough (born before 1954), you get to chose which you get. This allowed someone to collect on their spouse's benefit even if they would have been entitled to more on their own, and then switch at a later time (say when they turn 70 which ups their benefit amount).

 

[PayrollHRGuy]

There are both state and federal laws dealing with the unprescribed use of prescription drugs.

 

[Janke]

If you were born before 1954, and filed your own retirement claim at Full Retirement Age (FRA), you could choose either your own or a spousal/widow benefit. If you filed a retirement claim before FRA, you were deemed to have filed on all records.

An individual is first paid on their own SSN. If their spousal benefit is higher than their own, they get the difference.

 

[FlyingRon]

An individual is first paid on their own SSN. If their spousal benefit is higher than their own, they get the difference.

They get the higher of the two, not the difference.

Your first comment is correct. If you were born before 1954 you could choose either one. This let you pick the spousal benefit until you reach 7u0 and then jump to a then (starting at age 70) amount for yourself. I got a good friend who's doing this now.

 

[dcbdbis]

Thank you for your reply. I sincerely appreciate it.

Sincerely and Respectfully,

Dave

 

[dcbdbis]

To Clarify. I am on SSDI due to strokes. My wife (a tad older) has just turned 62 and is considering drawing her normal Social Security Retirement that she now qualifies for.

A secondary question I would like to ask is: When does my SSDI end and revert to Social Security Retirement? Or does it?

Thank you all for your replies.


Dave

 

[LdiJ]

To Clarify. I am on SSDI due to strokes. My wife (a tad older) has just turned 62 and is considering drawing her normal Social Security Retirement that she now qualifies for.

A secondary question I would like to ask is: When does my SSDI end and revert to Social Security Retirement? Or does it?

Thank you all for your replies.


Dave

We understood you the first time around. Yes, your SSDI will revert to SS Retirement on your normal retirement date.

 

[dcbdbis]

Please forgive me - what is my "Normal Retirement Date" When I am 62, 65, or when?

Sincerely and respectfully,

Dave

 

[ShyCat]

Age 62 is the age for reduced early retirement benefits. Your full retirement age depends on what year you were born. It is 67 for those born in 1960 or later. If you were born in 1957, it would be 66 years and 6 months. Add another two months for 1958 and another for 1959. Your SSDI switches to retirement when you reach full retirement age.