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23 contributions to Secure Your Benefits Free
Deceased Spouse's Social Security
My fiancé will be turning 60 in a couple of months. What is the process for him to start claiming his deceased wife's social security? Is is fairly simple or are there other factors to consider? Thanks!
1 like • 20d
Get an appointment with Soc Sec office. The applying person needs to answer questions and likely show documentation that they were married, and either still married at time of spouse's death or if divorced married 10 years or longer.
70 years old
I retired at age 70, how much can I earn moving forward?
0 likes • Sep 22
NO limit. Dr Ed says you can earn $1 Billion per month. 70 is past everyone's full retirement age
Retirement Benefits.
Born July 1963. I'm considering filing for retirement benefits early, but plan on working full time through 66 because of the medicare look back period. I'll gross around $100k during this period and I'm confused about income threshold, benefit reduction and if i would get those reduced benefits back at FRA?
0 likes • Sep 22
Medicare: At 65 you are eligible, but not required to start if you have insurance from your work or spouse's work, 20 or more employees in company. There is IRMAA consideration if you start it and your 2024 income was over $106K single or $212K married. This is a 2 year look back. The amount will change each year. It is not just one level, that is the first level. When you do stop working, you will need to get medicare if you do not get insurance from spouse. 2027 will have similar but likely higher thresholds. Soc Sec Retirement: Under FRA (67 for you) the limit is $24,480/year. Every 2 dollars over that limit you will loose 1 dollar. Without doing any calculating, I suspect you would loose all your soc sec income while earning this large amount. If you start Soc Sec benefit the month you stop working, this issue goes way. That limit also changes each year. There is a higher limit the year you turn 67, something like $65K Your actual question: At FRA, there is a recalculation that credits you for months you did not get Soc Sec. I think the acronym is ARF Adjustment to the Reduction Factor.
Earning report wrong?
I was checking my wife's SSA earnings report. And she has last year adjusted gross I come listed and not her gross income. That doesn't look correct is it?
0 likes • Sep 22
@Tarrelton Peffer Net income from self employment is what I hear Dr Ed say for the self employed. Gross income could be higher because of investment income
SSA-44 Medicare Income-Related Monthly Adjustment Amount - Life-Changing Event
I have been retired 18 months and my husband has been retired 12 years. Our joint income dropped 60% when I retired. We started Medicare and paying IRMAs when I retire based on income prior to my retirement. Can I file an exception and reimbursement using IRS form SSA-44 Medicare Income-Related Monthly Adjustment Amount - Life-Changing Event due to the large drop in income?
0 likes • Sep 22
Leaving your job is a life changing event and I heard Dr Ed say you can file for this exception. I do not know if it will retro-actively apply to the past 18 months.
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Leo Vitt
3
43 points to level up
@leo-vitt-1236
Western Nebraska,

Active 8d ago
Joined Aug 12, 2026
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