Anonymous wrote:

Anonymous wrote:My father has two pensions and my mother never worked. She was so upset that her SS was only going to be about 1k I don't know if she applied for it. It was going to be her retirement play money. I really don't know what to make of her sometimes.

If she never worked how is getting 1000 a month?
My wife worked over 30 years and only gets 1000 a month. (Good thing we saved and invested a lot)

Makes no sense.

Non-working spouses can collect 50% of their spouses’s benefit. If you never worked, never married (or weren’t married for 10 or more years), or were not disabled, you cannot collect social security. There’s no minimum payment if you don’t fall into one of those three areas.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My father has two pensions and my mother never worked. She was so upset that her SS was only going to be about 1k I don't know if she applied for it. It was going to be her retirement play money. I really don't know what to make of her sometimes.

If she never worked how is getting 1000 a month?
My wife worked over 30 years and only gets 1000 a month. (Good thing we saved and invested a lot)

Makes no sense.

Pp here. My mother never specified the amount but she refused to collect at 62 I know because it was so little to her. Another person said 700, and I could see her being disdainful of that amount. She isn't the nicest person unfortunately.

Thank you for your reply.
I appreciate it.

i am assuming I will never see any SS benefits.

Anonymous wrote:

Anonymous wrote:What about a Fed’s SS? Presumably, it could be up to 3k-4k. How wildly wrong am I?

You’re not. I’m 49 and make more than $140,000 and will have 30 years in when I retire. I’ll retire in that range. So will DH who makes quite a bit more, but is over the cap.

Most non-military feds get full social security.

I’m a high-ranking fed. I would get $4500 if I waited until I was 70 to start SS benefits. It’s $2800 if I take it right at 62, which is what I plan on doing since everything points to me being means tested out of the higher amount if I wait and Congress get serious about balancing the budget.

My dad only got about $865 a month. He died in 2007. He always worked but never made much.

We bought a cheap Florida condo in 2000 for him and he paid his gas and food and the maintenance fee. So he got by.

Anonymous wrote:

Anonymous wrote:My father has two pensions and my mother never worked. She was so upset that her SS was only going to be about 1k I don't know if she applied for it. It was going to be her retirement play money. I really don't know what to make of her sometimes.

If she never worked how is getting 1000 a month?
My wife worked over 30 years and only gets 1000 a month. (Good thing we saved and invested a lot)

Makes no sense.

Pp here. My mother never specified the amount but she refused to collect at 62 I know because it was so little to her. Another person said 700, and I could see her being disdainful of that amount. She isn't the nicest person unfortunately.

Anonymous wrote:Did they pay in? Lots of old feds and some school districts have pensions and don’t pay into social security.

Yes she did. Every pay check.
My dad was teacher for many years and did not pay into ss he gets 250 a month.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My father has two pensions and my mother never worked. She was so upset that her SS was only going to be about 1k I don't know if she applied for it. It was going to be her retirement play money. I really don't know what to make of her sometimes.

If she never worked how is getting 1000 a month?
My wife worked over 30 years and only gets 1000 a month. (Good thing we saved and invested a lot)

Makes no sense.

I think the minimal is about $700 est 62 even if the person has not worked or contributed.

Ok. Thank you for answering my question.

Did they pay in? Lots of old feds and some school districts have pensions and don’t pay into social security.

Anonymous wrote:

Anonymous wrote:My father has two pensions and my mother never worked. She was so upset that her SS was only going to be about 1k I don't know if she applied for it. It was going to be her retirement play money. I really don't know what to make of her sometimes.

If she never worked how is getting 1000 a month?
My wife worked over 30 years and only gets 1000 a month. (Good thing we saved and invested a lot)

Makes no sense.

I think the minimal is about $700 est 62 even if the person has not worked or contributed.

Anonymous wrote:My father has two pensions and my mother never worked. She was so upset that her SS was only going to be about 1k I don't know if she applied for it. It was going to be her retirement play money. I really don't know what to make of her sometimes.

If she never worked how is getting 1000 a month?
My wife worked over 30 years and only gets 1000 a month. (Good thing we saved and invested a lot)

Makes no sense.

Anonymous wrote:or they got paid cash / off the books and did not contribute to SS

This.
I know several women who are getting a bit less than that. They worked under the table (babysitting and house cleaning) while getting all sorts of government benefits for decades.

SS is a Federal retirement plan so you aren't homeless in Arkansas. It's good for that. It's not a comprehensive DMV retirement plan.

My father has two pensions and my mother never worked. She was so upset that her SS was only going to be about 1k I don't know if she applied for it. It was going to be her retirement play money. I really don't know what to make of her sometimes.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:How can you tell what your social security payout will be

There’s an online calculator.
I’m 58. Retiring soon.

Plan to get payouts at 62.5.

Mine says I get 2k+month - is that right?

How would we know? Is there a reason to believe it's wrong? And make sure you look at the mounts at 62, 67 and 70 - it goes up significantly if you defer to 70 but you have to make the call in terms of when you need the money and how long you think you will live.