问：If both spouses worked before paying social security, will early taking social security by one spouse impact the Benefits for the other Spouse?
ChatGPT回答：
Yes, if both spouses have worked and paid into Social Security, the decision of one spouse to take Social Security benefits early can still impact the benefits of the other spouse. This impact can occur in several ways:
Spousal Benefits: Even if both spouses have their own work history and are eligible for their own Social Security benefits based on their earnings, one spouse may still be eligible for spousal benefits based on the other spouse's work record. If the primary earner takes Social Security benefits early, it can reduce the amount of spousal benefits the other spouse can receive.
Survivor Benefits: If one spouse passes away, the surviving spouse may be eligible for survivor benefits based on the deceased spouse's earnings record. If the deceased spouse took Social Security benefits early, it could reduce the survivor benefits received by the surviving spouse.
Combined Benefits: Couples may be eligible for combined benefits that are higher than what they would receive individually based on their own work histories. If one spouse takes benefits early, it could reduce the overall combined benefits that the couple receives.
In summary, the decision of one spouse to take Social Security benefits early can indeed impact the benefits of the other spouse, even if both spouses have worked and paid into Social Security. It's essential for couples to consider the long-term implications and potential reductions in benefits when deciding when to start taking Social Security. Consulting with a financial advisor or using online calculators provided by the Social Security Administration can help couples make an informed decision based on their specific circumstances.
问：If married couple, had similar working experience and working time, similar salaries, will early taking social security by one spouse impact the Benefits for the other Spouse?
ChatGPT:
If a married couple has similar working experience, similar salaries, and both have paid into Social Security, then the decision of one spouse to take Social Security benefits early may still impact the benefits of the other spouse. Here's how:
Spousal Benefits: Even if both spouses have similar working histories and earnings, one spouse may still be eligible for spousal benefits based on the other spouse's earnings record. If the primary earner takes Social Security benefits early, it can reduce the amount of spousal benefits the other spouse can receive.
Combined Benefits: If both spouses have similar earnings histories, they may each be entitled to similar individual benefits. However, if one spouse takes benefits early, it could reduce the overall combined benefits that the couple receives. This reduction in combined benefits could impact the financial well-being of both spouses in retirement.
Survivor Benefits: If one spouse passes away, the surviving spouse may be eligible for survivor benefits based on the deceased spouse's earnings record. If the deceased spouse took Social Security benefits early, it could reduce the survivor benefits received by the surviving spouse.
In summary, even if both spouses have similar working experience, salaries, and earnings histories, the decision of one spouse to take Social Security benefits early can still impact the benefits of the other spouse. It's important for couples to carefully consider the long-term implications of when to start taking Social Security benefits and to weigh the potential impact on both spouses' benefits. Consulting with a financial advisor or using online calculators provided by the Social Security Administration can help couples make an informed decision based on their specific circumstances.
In 2015, the federal government changed the rules on filing for Social Security spousal benefits, eliminating some claiming strategies that allowed couples to increase their benefits.
Will early taking social security by one spouse impact the Benefits for the other Spouse, if both spouses worked before? By how much?
如果两人以前都工作，所谓的双职工，都付社安，退休后都可以按自己以前的工作领取social security。还有Combined Benefits吗？配偶什么时候领取social security，对另外一个以后领取social security有很大影响吗？
问：If both spouses worked before paying social security, will early taking social security by one spouse impact the Benefits for the other Spouse?
ChatGPT回答：
Yes, if both spouses have worked and paid into Social Security, the decision of one spouse to take Social Security benefits early can still impact the benefits of the other spouse. This impact can occur in several ways:
Spousal Benefits: Even if both spouses have their own work history and are eligible for their own Social Security benefits based on their earnings, one spouse may still be eligible for spousal benefits based on the other spouse's work record. If the primary earner takes Social Security benefits early, it can reduce the amount of spousal benefits the other spouse can receive.
Survivor Benefits: If one spouse passes away, the surviving spouse may be eligible for survivor benefits based on the deceased spouse's earnings record. If the deceased spouse took Social Security benefits early, it could reduce the survivor benefits received by the surviving spouse.
Combined Benefits: Couples may be eligible for combined benefits that are higher than what they would receive individually based on their own work histories. If one spouse takes benefits early, it could reduce the overall combined benefits that the couple receives.
In summary, the decision of one spouse to take Social Security benefits early can indeed impact the benefits of the other spouse, even if both spouses have worked and paid into Social Security. It's essential for couples to consider the long-term implications and potential reductions in benefits when deciding when to start taking Social Security. Consulting with a financial advisor or using online calculators provided by the Social Security Administration can help couples make an informed decision based on their specific circumstances.
有
https://faq.ssa.gov/en-US/?gad_source=1&gclid=CjwKCAjwnv 或建立个ACCOUNT输入个人信息。。
比如都做IT。就没有影响？
Spousal Benefits 和 Combined Benefits 是怎么计算的？
这涉及到夫妻双方各自工作年限，薪资高低，各自分开或是联合报税记录等等，这些除了SSI 这里没人知道。
问：If married couple, had similar working experience and working time, similar salaries, will early taking social security by one spouse impact the Benefits for the other Spouse?
ChatGPT:
If a married couple has similar working experience, similar salaries, and both have paid into Social Security, then the decision of one spouse to take Social Security benefits early may still impact the benefits of the other spouse. Here's how:
Spousal Benefits: Even if both spouses have similar working histories and earnings, one spouse may still be eligible for spousal benefits based on the other spouse's earnings record. If the primary earner takes Social Security benefits early, it can reduce the amount of spousal benefits the other spouse can receive.
Combined Benefits: If both spouses have similar earnings histories, they may each be entitled to similar individual benefits. However, if one spouse takes benefits early, it could reduce the overall combined benefits that the couple receives. This reduction in combined benefits could impact the financial well-being of both spouses in retirement.
Survivor Benefits: If one spouse passes away, the surviving spouse may be eligible for survivor benefits based on the deceased spouse's earnings record. If the deceased spouse took Social Security benefits early, it could reduce the survivor benefits received by the surviving spouse.
In summary, even if both spouses have similar working experience, salaries, and earnings histories, the decision of one spouse to take Social Security benefits early can still impact the benefits of the other spouse. It's important for couples to carefully consider the long-term implications of when to start taking Social Security benefits and to weigh the potential impact on both spouses' benefits. Consulting with a financial advisor or using online calculators provided by the Social Security Administration can help couples make an informed decision based on their specific circumstances.
除非国家因为通货膨胀自己调整。
比如你领退休金的年龄和金额如下，一旦你开始领，你的退休金就不变了。spousal benefit 也会因为你开始领钱的年龄而变化。比如spouse 按你的退休金的50%领，你62岁开始领，她只能拿1900/2=950。但是你67岁才开始的话，她可以拿3000/2=1500。combined也是同样算法。
但如果你们都按自己的退休金领，就跟对方没任何关系了
62领：$1900
65领: $2500
67领：$3000
Spousal benefit 对两个人工资差不多，年龄差不多的没什么意义。因为你根本用不上它。
In 2015, the federal government changed the rules on filing for Social Security spousal benefits, eliminating some claiming strategies that allowed couples to increase their benefits.
另外，我没有Roth IRA，退休前没资格，退休以后也不想再搞Roth IRA了，限制太多。
Medicare得65岁以后了。