Eddie Holland joins Mike again to discuss more about Social Security and Medicare.
They answer a number of listener questions, including:
- Why might you delay taking Social Security? What about taking it early?
- How would the survivor benefit play into that consideration?
- Is there any penalty for someone who has not yet reached full retirement age to continue working for a year or two, but still go on and start drawing Social Security?
- How does Social Security determine your annual benefits based on your estimated date of death?
- Once you reach full retirement age, and you decide to continue to keep working, does your employer still withdraw Social Security taxes past your retirement age/date?
- At what point do we have to decide about Medicare if both spouses are at retirement age, but one of us is still working and has employer provided health insurance?
- My employer health insurances will subsidize half our Medicare premiums. Should I go on and sign up for Medicare to take advantage of that?
- I’m 68, going to file at 70. My spouse is 62. Should she go on and file? If she does, when she reaches full retirement age, can she then claim my spousal benefit?
- At what age can you still work and draw Social Security and not be penalized?
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