@Stacey Reynolds Yes. Part of her being eligible is Ex's PIA is at least twice her PIA. Other factors are min of 10 years marriage, 2 years since divorce finalized or he is currently on benefits and both are at least 62. She is on SSDI, so I don't think the age requirement applies to her.

This is about people who overlooked one of the benefits. Here are two I can name, and I do not know if they might apply to you: 1) Current or ex-spouse - Current spouse must be receiving benefits. Ex-spouse you must have been married 10 or more years. For both, the other person must have more than twice your PIA for their PIA (primary insurance amount). 2) Survivor benefits: You were married until partner's death (min of 9 months married) or ex-spouse passed away with same 10 year rule. Your PIA less than deceased partner's PIA. 3) SSI - only possible if your income is below $994/month and your assets are less than $2000 outside of single car and home.

I cannot find it any more. This was useful - can we get it back.

Do you have 35 non-zero years? I'll make assumption that 1976 job was part time and would be lower than most all of your years (even with indexing). If it was that small, then it does not matter. If my assumption is wrong, then it can reduce your calculated benefit some. I think it would be really difficult to get a correction 40 years after the fact. Unless you spent some years without a full time job, I expect you have a least 40 years with a higher income.

Yes you can. You might need to inform Soc Sec you do not want part B. Part A has no premium of those with enough work history. I will not call it free b/c we paid that medicare tax and you still are paying it as long as you work. When you stop working (by choice or otherwise) apply for part B and look into supplimental ins or Advantage plans. Also, if you have a working spouse, insurance from them could qualify. One more thing: I assume your employer has 20 or more employees, making it credible coverage.