Reply to My 60 year old dad is "going to retire on social security"

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[quote=Anonymous][quote=Anonymous][quote] She was married to my dad for 20 years and left him for another man. Since she remarried, she forfeited his social security.[/quote]

When she finally reaches retirement age (preferably full retirement age) she should check with Social Security. I think, but am not sure, that if she is still unmarried then she might be able to receive benefits on his account. It wouldn't be much, so maybe she doesn't need to know that yet, because she really does need a job of her own.
 [/quote]

This is right. She doesn't get anything until age 62 at the earliest, but like PP says, she really should wait because your benefit is reduced if you take it early like that. Then, when she takes benefits at age 62 or later, they give her the highest of her own benefit (reduced for taking it early, if applicable) or of the spousal benefit which is 50% of whichever of her two ex-spouses had the higher benefit (and also reduced if she takes it earlier). Then again, if she marries this 70-year-old, she might get 50% of his benefit as his wife and then when he dies, presuming she was still married to him when he died, she gets 100% of his benefit - unless she remarries a fourth time before she's 60 or 62 or some cutoff age like that. [/quote]

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