Social Security Question

   / Social Security Question #11  
Gr8 thread! I'm handicap (spinal chord injury). B4 my injury I did not pay in for a few years when I started my own biz (post construction cleanup and exterior structure cleaning and restoration). I had not put in enuf credits b4 then apparently even tho I worked over 10 years in the service industry and banking. I'm unable to draw SS bc of this and unable to draw SSI bc of farmland I own do not want to put in other people's name. I've consulted 2 major law firms and one local to no avail. My wife and I will be married 10 years this May. She has worked for the state for more than that (collectively) and has paid in for for at least 16 years. Would I be able to claim hers?? Sorry to hijack OP. I just saw that others had answered ur question knowledgeably and thought I'd ask while they were here. Thx in advance for any assistance.
 
   / Social Security Question
  • Thread Starter
#12  
Gr8 thread! I'm handicap (spinal chord injury). B4 my injury I did not pay in for a few years when I started my own biz (post construction cleanup and exterior structure cleaning and restoration). I had not put in enuf credits b4 then apparently even tho I worked over 10 years in the service industry and banking. I'm unable to draw SS bc of this and unable to draw SSI bc of farmland I own do not want to put in other people's name. I've consulted 2 major law firms and one local to no avail. My wife and I will be married 10 years this May. She has worked for the state for more than that (collectively) and has paid in for for at least 16 years. Would I be able to claim hers?? Sorry to hijack OP. I just saw that others had answered ur question knowledgeably and thought I'd ask while they were here. Thx in advance for any assistance.

I don't feel like you are hijacking my thread. You're just as welcome here as everyone.
 
   / Social Security Question #14  
There is some good info on the Social Security web site and for the government to find and understand to me.

28 years working for SS. Every comment above is almost correct but the nightmare is that what may be correct in situation A doesn't apply in situation B. The Social Security Act is 80 years of exceptions, contradictions, and government logic taken to an extreme. Don't plan your finances for the rest of your life solely on what you read on the internet or hear from some bozo at the bar. Start with the SS website and go from there. Good luck, you'll need it.
:thumbsup:

Excellent advice! There is nothing posted on any internet blog site that should be taken as fact without further verification. Even people who mean well, are sometimes mistaken as already proven in this thread.
 
   / Social Security Question
  • Thread Starter
#15  
My frustration is that I did a lot of reading on the internet including the social security website and still didn't pick up on the spousal benefit. That was a very costly oversight.
I figured that by us waiting for my wife to claim her social security at age 70 in July of this year, we would maximize our benefits. Instead she could have been claiming half of mine for the last five years which figures about $70,000. And the irony is that 1/2 of mine will still be more than hers with maximum credits.
 
   / Social Security Question #16  
It is difficult to glean understandable information off the Social Security Web site, or the Internet in general. It is important to choose wisely, because there is no undo button.

Check to see if you, your wife (or both) have at full retirement age (currently 66) before you apply.
Some of the loopholes were closed last year for those under 62.

Here is the best information I have found (it is excellent). Buy it, or get it from a library ..

Social Security Book.png
 
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   / Social Security Question #17  
Airbiscuit is right about getting help from other than the SS people as they are just civil servants and a lot of what happens depends on how they were trained and are feeling that day.

My father was a tax layer and he used to joke about how little the people working at the IRS knew about their own regulations and how easy it was to win against them. In all the cases he tried, he NEVER lost and most of the times it never even got past him just showing them where they were wrong.
 
   / Social Security Question #18  
........... And the irony is that 1/2 of mine will still be more than hers with maximum credits.
It is ironic. A really rich guy with a never working trophy wife can have her collect half of his benefit, which will be more than some single waitress who has worked her whole life. And if he has been divorced a couple of times, everyone of them can collect, too.
 
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   / Social Security Question
  • Thread Starter
#19  
or a stay-at-home mom raising six children who then went back to school for her nursing degree and has been a full time LPN for the last 20+ years.
 

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