The file and suspend strategy worked if you attained your full retirement age and suspended benefits prior to April 30, 2016. Currently, you can still suspend benefits, but your spouse will be unable to claim a spousal benefit while you do so.
The file and suspend strategy worked if you attained your full retirement age and suspended benefits prior to April 30, 2016. Currently, you can still suspend benefits, but your spouse will be unable to claim a spousal benefit while you do so. purplestars 发表于 2022-04-19 14:41
真的？ The spousal benefit can be as much as half of the worker's "primary insurance amount," depending on the spouse's age at retirement. If the spouse begins receiving benefits before "normal (or full) retirement age," the spouse will receive a reduced benefit. However, if a spouse is caring for a qualifying child, the spousal benefit is not reduced. If a spouse is eligible for a retirement benefit based on his or her own earnings, and if that benefit is higher than the spousal benefit, then we pay the retirement benefit. Otherwise we pay the spousal benefit.
搜了一下 During your lifetime, you might earn more credits than the minimum number you need to be eligible for benefits. These extra credits do not increase your benefit amount. The average of your earnings over your working years, not the total number of credits you earn, determines how much your monthly payment will be when you receive benefits.
搜了一下，我的理解是对的：每年最多4分，10年40分，够了就qualify. During your lifetime, you might earn more credits than the minimum number you need to be eligible for benefits. These extra credits do not increase your benefit amount. The average of your earnings over your working years, not the total number of credits you earn, determines how much your monthly payment will be when you receive benefits. 你想成pension了，老是在华人上看到错误信息 .岸. 发表于 2022-04-20 00:07
划重点Average only is the average of a 35 years earning. 你工作满三十五岁了吗？二十二毕业五十七岁才到三十五年。
搜了一下，我的理解是对的：每年最多4分，10年40分，够了就qualify. During your lifetime, you might earn more credits than the minimum number you need to be eligible for benefits. These extra credits do not increase your benefit amount. The average of your earnings over your working years, not the total number of credits you earn, determines how much your monthly payment will be when you receive benefits. 你想成pension了，老是在华人上看到错误信息 .岸. 发表于 2022-04-20 00:07
”The average of your earnings over your working years”，这个working years是35年。10年积40分只是保证你可以拿到ss benefit，拿多少要取决于你35年的平均工资。
https://www.ssa.gov/benefits/retirement/planner/credits.html The number of credits does not affect the amount of benefits you receive. We use the amount of credits you’ve earned to determine your eligibility for retirement or disability benefits, as well as your family’s eligibility for survivors benefits when you die. Since 1978, you earn up to a maximum of four credits per year. Credits are based on your total wages and self-employment income for the year. You might work all year to earn four credits, or you might earn enough for all four in much less time. The amount of earnings it takes to earn a credit may change each year. In 2022, you earn one Social Security or Medicare credit for every $1,510 in covered earnings each year. You must earn $6,040 to get the maximum four credits for the year. During your lifetime, you might earn more credits than the minimum number you need to be eligible for benefits. These extra credits do not increase your benefit amount. The average of your earnings over your working years, not the total number of credits you earn, determines how much your monthly payment will be when you receive benefits.
During your lifetime, you might earn more credits than the minimum number you need to be eligible for benefits. These extra credits do not increase your benefit amount.
During your lifetime, you might earn more credits than the minimum number you need to be eligible for benefits. These extra credits do not increase your benefit amount. .岸. 发表于 2022-04-20 02:20
回复 91楼purplestars的帖子 对呀，一个工作35年的人要比一个工作10年的要多交25年的social security. 怎么可能一样吗。 How Social Security benefits are calculated Your Social Security benefits are determined based on your highest 35 years of inflation-indexed earnings (meaning, your income is adjusted for inflation year after year). If you have fewer than 35 years of eligible earnings on record, then for each year you don't have an income on file, Social Security will factor $0 into your equation. Then, when an average of your earnings is taken, those $0 years will bring down the total amount you're eligible for in benefits.
回复 91楼purplestars的帖子 对呀，一个工作35年的人要比一个工作10年的要多交25年的social security. 怎么可能一样吗。 How Social Security benefits are calculated Your Social Security benefits are determined based on your highest 35 years of inflation-indexed earnings (meaning, your income is adjusted for inflation year after year). If you have fewer than 35 years of eligible earnings on record, then for each year you don't have an income on file, Social Security will factor $0 into your equation. Then, when an average of your earnings is taken, those $0 years will bring down the total amount you're eligible for in benefits.
比如，女方$1000, 男方3000, 怎么样拿最好？
有人建议一方62拿，另一方67, 应该哪一方先拿？
🔥 最新回帖
现在选定就不能改了。
这句话是有 context的。你前面找找，都有解释。
不是说选择后 就不能变了吗
没有这个规定吧，有链接吗？
🛋️ 沙发板凳
谢谢。先存下。
谢谢分享！
我听过一耳朵这种情况好像62岁先拿自己的，到了67拿男的一半？
67拿男的一半2015后已经被取消了。
另一方够点数了吗？如果不够不能拿，如果够跟我问的一样。
What?
The file and suspend strategy worked if you attained your full retirement age and suspended benefits prior to April 30, 2016. Currently, you can still suspend benefits, but your spouse will be unable to claim a spousal benefit while you do so.
oops，刚看楼上的回复，原来拿一半是老黄历了，当我没说。。。
那就是说钱少的一方可以62开始拿，只要男的67开始正常拿就没问题了吧？只要男的不推迟就行。
那家庭主妇还能拿一半吗？
当然可以了。只是不知道这样是不是最好的拿法。
应该可以。但 husband要到退休年龄。
可以，楼上讨论的是自己也挣钱和拿spouse一半以前可以delay，2016之后不行了。
62岁开始拿自己的话，到了67岁就只能拿男的一半的75%了。一但拿了reduced benefit，永远就只能拿reduced。
这样啊。那估计也差不太多。
万一钱多的去世，也只能拿75%吗？
No。拿TA的全部！那是survivor benefit。当然，你那部分少的就被收回了。
是， 是。
Mark
提取策略例子： 典型案例：Andy和Alice是一对夫妇，在Andy 66岁，Alice 63岁。Andy在66岁退休年龄时，可以拿到$2,500的退休福利，再过3年，Alice66岁时，Alice自己有$1,200社會安全福利。在Alice 66岁领取全额社安金时，她可以领取$1,200再加上配偶福利$50，共拿到$1,250。两人每月共拿到$3,750社安金，这是最普遍的选择，但并不是最佳策略。
Alice和Andy领取社安金时可以有更好的策略：就是申请有限福利（Restricted Benefits）：Alice在66岁开始可以享受配偶福利。如果Alice选择在66岁时领取配偶福利$1250，而推迟提取自己的福利，在她70岁时，可以领取$1,534，加上Andy的$3750,每月共$4,084，比之前每月多$300.
反过来做的话，如果Alice 在63岁时提早领取打折有$960/月，Andy 那时66岁，他可以享受配偶福利，即Alice全额社安金的50%，就是1200X50%=$600/月，两人共$1560/月，同时他推迟自己的社安金（$2500）每年有8% 递增，到他70岁时他的社安金就是$3300/月，两人共$4260,比第一个选择多了$500/月，挺有用的。
今年50岁，假设现在不工作，到70岁领取SS， 可以拿3300，如果67岁取可以拿2700。 如果他一直工作到67岁，（输入了一个比较低的工资）那么70岁可以取4300，这还是based on 去年的data, 今年update 以后更高。
所以工作到67意义不大，但是70岁取钱会多许多。
在Alice 66岁领取全额社安金时，她可以领取$1,200再加上配偶福利$50.
---这个$50怎么来的？
这个例子真好，多工作17年，居然以后只多1000，晚3年领可以多600. 记得哪里听到过社保金前多少年每年增幅大，到达一定数字后，再往上走就难了。
看来对领社保金来说，多工作的性价比远低于晚领，有积蓄股票投资房的完全不需要急着这3年早领。
换句话来说，就得自己有别的办法，老老实实干活，单靠政府的钱过活得就得真的干到67，70，被资本家剥削到老。
Alice 66领ANDY的一半退休钱，因为比她自己退休社安金高50.
老妻嫩夫不划算了？
这个例子的第三个方案真心不错
我们家就差一岁多，没多大差，我闺蜜大她老公11岁，就基本全靠自己了。
这个得有年龄差距才行。
mark
第三例子是错误的。第二个例子已经不适用了。
开始领ss了是不是就不能工作了，比如62岁做个part time加上领SS
而且等70才领，万一72就挂了就更亏了
身体合算，不是钱可替代地，😄
这个有意思，马克
所以早退休好？
为什么是错的？如果是67，也不能拿63的全部的一半吗？
不可以改吗？比如先拿配偶的，再拿自己的不行吗？
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我觉得说的不对，你到67 能拿2700是建立在你工作到67 岁之上的，不可能你50岁就不工作到67能拿2700。
早就不行了啊。除非是你的另一半已经挂掉了。
工作的人不是为了六七十岁以后拿那点SS啊。工作的收入要远超过那个。而且还能存401k，有公司的401K MATCH可拿。
2和3现在都不允许了啊。
到67能拿多少取决于前面35年最高工资额，如果你到50就退休了，又没有满35年，那么不够的年份都按0收入来算，那ss能拿到的数目就会低了。
35年那么久？我以为是挣够10年的credit就到顶了，再多做就不再增加
搜了一下 During your lifetime, you might earn more credits than the minimum number you need to be eligible for benefits. These extra credits do not increase your benefit amount. The average of your earnings over your working years, not the total number of credits you earn, determines how much your monthly payment will be when you receive benefits.
那真没多少选择了。
划重点Average only is the average of a 35 years earning. 你工作满三十五岁了吗？二十二毕业五十七岁才到三十五年。
”The average of your earnings over your working years”，这个working years是35年。10年积40分只是保证你可以拿到ss benefit，拿多少要取决于你35年的平均工资。
The number of credits does not affect the amount of benefits you receive. We use the amount of credits you’ve earned to determine your eligibility for retirement or disability benefits, as well as your family’s eligibility for survivors benefits when you die. Since 1978, you earn up to a maximum of four credits per year. Credits are based on your total wages and self-employment income for the year. You might work all year to earn four credits, or you might earn enough for all four in much less time. The amount of earnings it takes to earn a credit may change each year. In 2022, you earn one Social Security or Medicare credit for every $1,510 in covered earnings each year. You must earn $6,040 to get the maximum four credits for the year. During your lifetime, you might earn more credits than the minimum number you need to be eligible for benefits. These extra credits do not increase your benefit amount. The average of your earnings over your working years, not the total number of credits you earn, determines how much your monthly payment will be when you receive benefits.
不懂英语的是你吧……还这么自以为是
是我没看全
删
这是错的。做10年和35年的最后拿的钱可以差三倍。
好吧
你自己去好好看看吧。别误导了大家。
During your lifetime, you might earn more credits than the minimum number you need to be eligible for benefits. These extra credits do not increase your benefit amount.
这句话没错，你的理解有误。
对呀，一个工作35年的人要比一个工作10年的要多交25年的social security. 怎么可能一样吗。
How Social Security benefits are calculated Your Social Security benefits are determined based on your highest 35 years of inflation-indexed earnings (meaning, your income is adjusted for inflation year after year). If you have fewer than 35 years of eligible earnings on record, then for each year you don't have an income on file, Social Security will factor $0 into your equation. Then, when an average of your earnings is taken, those $0 years will bring down the total amount you're eligible for in benefits.
你说的对，credit不增加，但是yearly average会不一样，我只针对楼上说的搜了credit部分读，没有看yearly average。我去改