Money: Social Security Connection

Answers to readers’ questions.

| May 2009


If I start drawing Social Security benefits at age 62, will my benefit amount stay the same for the rest of my life, or will it increase when I turn 65? – G.T., Maine



Once you file for reduced benefits (meaning if you file before your full retirement age), your benefit amount will stay the same. However, you will be eligible for annual cost of living adjustments every January.




I’ve never worked outside the home. When I talked to the Social Security office, they said I could draw benefits on my husband’s record and would receive 50 percent of his benefit. Does that mean when I start drawing benefits that my husband’s check will be half what it is now? – W.H., Nebraska



Even if you’ve never worked outside the home, you can receive a benefit equal to half of your spouse’s full retirement amount. You can begin collecting benefits as early as age 62, but the amount will be reduced by a percentage based on the number of months up to the spouse’s full retirement age. The spouse’s benefit amount will not be reduced because you draw benefits on his or her record.




I will be 65 in a few months. When should I sign up for Social Security benefits? – C.R., New York



You should check into filing for benefits now. Medicare benefits begin at age 65, and it may be to your advantage to start receiving monthly Social Security benefits now.



Social Security Connection  

To contact the Social Security office, call, toll-free, 1 (800) 772-1213, or visit the Web site at .



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