@themedicarefamily: But the rule is NOT the same if your spouse dies! You can switch over to a survivor benefit without the reduction following you. If you are at or older than your full retirement age you can get 100% as a survivor (Widow) even if you drew your own Social Security earlt at a reduced amount.

Sylvia Gordon | Medicare Mama®
Sylvia Gordon | Medicare Mama®
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Wednesday 02 September 2026 14:29:00 GMT
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sheri4692020
Sheri469 :
Advice on me, 62 recently unemployed, husband is 50 and no where near retirement age, what would you do?
2026-09-04 14:55:17
0
theskeletone
TheSkeletone :
My wife is 59 and on disability social security. I am 63 thinking about drawing early with my job of 36 years pension. Health insurance is the biggest issue right now amongst other choices
2026-09-04 13:49:55
0
transito813
transito813 :
If my spouse passes away could I then switch to widower benefit?
2026-09-03 22:48:51
1
user43032228416737
user43032228416737 :
I don’t get it if my wife is Social Security and I have Social Security. She can collect hers at 62 right and I can collect mine at 62 right or am I completely wrong now cause whatever you just said this makes no sense to me.
2026-09-02 21:40:16
3
blood_type_redbull
#REDBULLFORLIFE🦅 :
Can my spouse get SSN if she doesn’t have 40 points?
2026-09-02 23:58:43
1
marymckeon175
marymckeon175 :
what if I have Social security but spouse has PERS?
2026-09-02 17:54:23
1
hl62henry
Henry :
Why take your husbands SS when you can take your own and enjoy more money as a couple?
2026-09-02 22:57:04
1
andrewalvarado006
andrewalvarado006 :
My wife and I have seperate accounts. She plans to claim hers at 62. I might wait 2 or 3 years. However we have a 12 year old. Is it true that when my wife claims her SSI my son is eligible to receive a check also?
2026-09-03 17:15:20
0
alicia_coll
Alicia Ann :
But I can switch with widow benefits?
2026-09-02 16:38:46
3
usermelaws
*** :
What if my husband is younger can I still collect his?
2026-09-02 20:40:51
1
keepingupwiththecarys
keepingupwiththecarys :
Wait a minute… if my husband collects SSDI now at 58 then at 62 I take social security can I take his even if he’s on SSDI?
2026-09-02 18:54:28
1
bethwilsonrussell
Beth Wilson Russell :
Can i collect survivor benefits if im still working?
2026-09-03 02:17:55
1
monicafrazersandilands
Monica Frazer Sandil :
Can you draw ss and railroad retirement off you deceased spouse?
2026-09-03 01:39:51
1
ellis_ellis_ellis75rc
Ellis✝️-RC-MTG :
My wife is 8 years younger and doesn’t plan on retiring until later, she loves her job, so I would have to still draw mine? She makes 3 times as much money as I do.
2026-09-03 19:39:20
0
crownjewels1164
Julie D Albrecht :
Can you choose survivor and then switch to yours later? If yours is higher? And let it get bigger?
2026-09-02 18:00:03
3
kimbomills
Kimbomills :
I’ll be 62 in October, husband will be 63 in January. Neither have started ss. Should I wait till he starts he’s then take mine so I can get his? He may start taking at 63.
2026-09-02 22:39:24
1
margieschiller
Margie Schiller :
What if you’re on Social Security disability first afterwards can I get his and if I switch?
2026-09-02 14:49:57
1
nursevz
Sara :
My husband is 4 years older than me and will retire at 63 while I will work until I'm 65 for insurance reasons. I make more and will draw more. So can my husband draw off mine at 63 and get more and if so what will happen when I turn 65? Will my amount be affected by what he drew or will I get my predetermined amount?? Hoping this makes sense!!!! 😬
2026-09-03 14:51:43
1
hl62henry
Henry :
Thought you can only take your higher earning spouses SS if that person dies.
2026-09-02 22:57:39
2
stephaniemartin2018
Stephanie Martin127 :
I’ve always wondered if I take my husbands..where does mine go..government keeps it , what happens to it ? Thxs
2026-09-02 22:34:16
2
hl62henry
Henry :
This last video is a bit confusing.
2026-09-02 22:58:07
1
dreamingoffl
MOM3 :
Also, look into the Social Security Fairness Act of 2023 (H.R. 82) for people that have a spouse that paid into Social Security but you didn’t because of a pension. You can collect your spouses.
2026-09-02 18:01:23
2
nanny5062
nanny5062 :
What if we’re husband as but fight for his dis from the get go with lawyers and have dis dr appt in two weeks if he get approved can I get 1/3 of his Dusability whatever it maybe if he approved
2026-09-02 21:22:53
1
manray71
Man Ray367 :
Why would you take the lower one?
2026-09-02 22:17:40
1
12345final
user8445113476008 :
Excellent post, thank you.!!
2026-09-02 16:46:32
1
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