Social Security and surgery

Scenic Hawaii 019-A

Night lights, Oahu, Hawaii.

David called Social Security to ask about the rules concerning our benefits.  This is what he learned:

(1)    Our accounts are separate and will be treated separately.  In other words, there is no marriage penalty and therefore no cut-off if we reach a certain threshold in total benefits as a couple.

(2)    Since I am David’s wife, my benefit will be 50% of his benefit at age 66.  However, I presently receive more than that, so his turning 66 will have no effect on me unless his income increases substantially.

Isn’t this interesting?  It always helps to clarify things over the telephone, because reading information via the Internet can be confusing.

David will try to work until he is 70, so he will receive $745 more in benefits per month than he would at age 66.  The difference is quite remarkable, isn’t it?

Meanwhile, he worries that he might eventually need knee replacement surgery and will be on sick leave for an extended period of time.  Who will do his work at the office?  No one on the staff can do what he does, so he might be laid off and replaced.  This is the worst case scenario.

Still hoping for a favorable outcome!

10 Responses to “Social Security and surgery”

  1. DJan Says:

    I find the whole Social Security benefits to be confusing. We both receive monthly payments, but they are not connected to each other, just to the amount we each paid in during our working years. I do hope David will not have to be away from work for a long time, that would be, as you said, a worst case scenario.

  2. Christine Says:

    It’s good to have things clarified, awful not knowing where you stand.

  3. Jeanie Says:

    Social Security is indeed very confusing. You were smart to talk to them to get a clear picture of your situation.

  4. Mary Flora Says:

    A male friend, age 70, had his other knee replaced and attended a 3 hour community meeting exactly 2 weeks after the surgery. If you follow the post op instructions, do the therapy and get off the drugs, it is a pretty short recovery. I know, my knee replacement changed my life.

  5. Suzanne Says:

    I do think it is confusing and I always worry what they might try to change over the years. Good luck with the knees.

  6. SchmidleysScribbling Says:

    When I started my SS checks, I had the fellow look at the SS benefits of my X receives. #1 could have increased his SS checks by using the spouse benefit (we were married 14 years). He receives both SS and military pension checks so I don’t think he even thought about it. Congress did away with that ‘double benefit’ for military under Reagan. There are other abuses of SS that need to be fixed too.

    SS is a good program. Dianne

  7. NRIGirl Says:

    Love the night light picture Gigi! Thank you for sharing.

  8. Linda Reeder Says:

    Knee surgery recovery can be fairly rapid barring complications. David should have the surgery when and if he needs it. Especially if he is going to work until he is 70! With many jobs that is just not possible.

  9. Kay's Musings Says:

    Wow! That was interesting. Because I worked for the Illinois school district I can never collect social security OR Art’s which is so unfair, but there it is. Ah well.

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