Asked by Angie  |  Submitted September 28, 2015

In a two income household if one spouse retires before the other, does the working spouse's income affect the amount of social security the retired spouse can draw?

Specifically, during those interim years while I am still earning?

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  Answers  |  3

September 29, 2015

Hi Angie! The best answer is...it depends. You may want to consider doing a Social Security review with an advisor to see what strategies are available for beginning your retirement payout. There are many options that married couples can use to optimize their Social Security payments and some of them may help you to collect thousands more in benefits. It's worth a review - don't do this one on your own.

$commenter.renderDisplayableName() | 05.29.17 @ 11:40

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October 05, 2015

how does one find a Social Security review advisor? are you speaking of contacting SSA and speaking with a person in the SSA about benefits / spouses, etc?

$commenter.renderDisplayableName() | 05.29.17 @ 11:40

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March 15, 2016

While SSA employees can help crunch the numbers for you, they are unable to give advise as to what the best option is for a person/couple. You should look for a Financial Advisor/Agent in your area that is knowledgeable in the area of Retirement Income Planning as well as Social Security Planning.

$commenter.renderDisplayableName() | 05.29.17 @ 11:40

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