What Older Workers Don't Know About Social Security

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What about people in disability? How does the age they retire affect their pay?
I have been on disability for seven years I will be at my full retirement age next year, does it make any difference in my case what age I retire? I am not paying into the system anymore, does it still make a difference on my pay?

vanda of TX 4:05PM May 12, 2012

Wow! Great information. No one told me all that when I retired 15 years ago. I wish they had.

James S. of NY 4:05PM May 12, 2012

hello,iam a single female,53 years old,ive been on ssi/disability since 1986. i only receive now just $728.00 i went 3 years without a socialsecurity raise untill this year,i have had to depend on medicare and medicaid,with $169.oo amonth foodstamps,my father passed away 5years ago retired early from the railroad due to health reasons,he use to help me out by a helping hand of $600.00 amonth so i could pay my house payments and bills,my mother who they were divorced neither remarried and she was able to draw off his pension,is there anyway that i can draw off of his pension, thankyou

yvonne porter of IA 4:04PM May 12, 2012

You delay your payment, you risk losing any retirement from social security.
This liberal ad campaign to delay your retirement is all part of the pie in the sky economics that is the part and parcel of liberal Democrats and Republicans.
True conservatives, not the ones that are lying to you, believe that like your family, government must operate on a budget, pay it's bills on time, not spend more than it makes avoiding debt, and living in peace with everyone as much as possible.
16 trillion in debt and growing, the U.S. is in bankruptcy. It now owes more than it makes nationally. So go ahead and bet your social security that you can delay collecting it. Meanwhile Europe is falling into a black hole economically and the house of cards we are living in is just a moment away from being sucked into the vortex as well. Want to delay your social security? Good luck with that.

urgo2guy of OR 4:00PM May 12, 2012

I was told that if you claim Social Security Benefits at 62 or 65, and let's say you put the checks in an interest bearing checking account. Then at age 70 you can pay it all back, keep the interest you earned on it and make a new claim at age 70 for the higher amount, which is usually substantial. I have kept working past full retirement age but I would like to stop at 70. This makes good sense to me for people who don't have to rely on Social Security totally, but want to use the money they earned.

Gloria of OK 3:43PM May 12, 2012

It all good unless you're a teacher. Teacher's aren't even permitted the 50% of spousal earnings because they are penalized for having a pension. My wife worked enough quarters herself and I've worked over 30 years but she will get zero social security. She should at least be able to get the same percentage of my earning as if she had never worked outside of the home. This is how teachers are treated. Thank your federal legislators.

Steve of CA 3:23PM May 12, 2012

please just tell me the minimum age to retire or early retirement,I read about it,but please confirm,
thank you very much
ps Ihave ben workind sice 1978,and still working and Iam 58 years old

julio aviles of FL 3:03PM May 12, 2012

I am divorced age 63 and never remarried. I do not intend to retire till I am 70. My ex spouse retired at 62 and is receiving benefits. Can I receive SS support now from him?

Lin of OH 2:53PM May 12, 2012

I think it's ridiculous that a spouse can draw social security benefits if they were married to their spouse for ten years. No matter how many times they were married. I worked my rear off for the little social security I get, worked holidays all types of shifts to be able for my children to have a better life. My sister is drawing off of one of her ex husbands and I have an aunt that has never worked a day in her life drawing off one of her deceased husbands. Then there is social security disability that people get all they have to do is get an attorney and if no physical condition the attorney has doctors they work with and some will claim a mental condition. No matter how young a person is they can get social security if they have a smart attorney and some get benefits for children and keep having children, I am sorry but it doesn't make any sense to me as why no one puts guide lines on social security or have someone check on people drawing disability benefits. If you are truly disable how can you take care of children. I feel something needs to be done in order to reserve social security for the young people working and paying into the system. I don't feel anyone is due social security unless they worked and paid into the system. I feel social security needs to change some of the guide lines in order to preserve it for our children and grandchildren.

sassymama of GA 2:49PM May 12, 2012

Bunch of BS...can't live on less than $15K per year and can't get a job either. I have been forced into poverty by the @&$#@#$ we hired to represent us. The whole thing is a pathetic joke on the sheeple who have trusted them, We are all STUPID! Count me stupid and poor too. I have a worthless grad level education, plus tech training and 35 years in business and can't get a job in my own stinking country!

RazzyJazzy of FL 2:46PM May 12, 2012