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I'm often contacted by CBS MoneyWatch readers regarding questions they have about retirement and Social Security benefits. If you were married for 10 years or more and then got divorced, you're entitled to receive an income from Social Security that is based on 50 percent of your ex-spouse's Social Security benefits.
To estimate the Social Security income Mary's ex will receive, I used the Quick Calculator on the Social Security Administration website. The monthly income Mary will receive is 50 percent of that amount -- $1,225 -- starting at her FRA, which is also age 66. Note that the above monthly amounts are in today's dollars; they will be increased for future cost of living adjustments (COLAs).
But how do you decide if you should start your Social Security spousal benefits at age 62 or delay them until age 66?
Mary's second question was this: Can she work to supplement her Social Security income without affecting her Social Security benefits?
Here are a few more things to be aware of: If your own wage earnings produce a larger benefit than the spouse's benefit, then you'll receive your own benefit instead of the spouse's benefit. The fact that you collect a spouse's benefit on your ex's earnings record does not impact his benefit in any way. Steve Vernon helped large employers design and manage their retirement programs for more than 35 years as a consulting actuary. Powered and implemented by Interactive Data Managed Solutions News provided by The Associated Press. Every year, as we reflect on the previous twelve months, Breaking Free seems to accomplish a little more than we did the previous year in our work to end the sexual exploitation of women and girls. Thank you for your prayers, time, donations, and financial support, all of which are vital to the sustainability of our programs. It is my hope that you will join us in this fight and continue to let the survivors of this horrific crime know that they are worth saving and to tell the world that no one deserves to be bought, sold or traded at any price. All proceeds from the event will fund our new housing program for sexually exploited youth.
Please note that all tickets must be purchased in advance and space is limited, so purchase your tickets early before they sell out! I hope you can join us in May for a wonderful evening highlighting the work of Breaking Free and honoring the stories, writing, and art of survivors of sexual exploitation.
For Beacon Foundation to be able to financially assist those who need it, we're calling for your help. AREEVO (Originally NAREEVO) was established in 1991 as a MN based community out reach network. In 2011, NAREEVO was expanded to include ALL retired airline employees, and changed its name to AREEVO: Airline Retiree Ex-Employee Volunteer Organization. Did you know an estimated 43,140 Americans were diagnosed with pancreatic cancer in 2010 and 36,800 will pass away from the disease? Leaving aside what this says about the Times or Darling (his ex-wife and close friend Joan Darling scoffs that a€?Erik was as far from preppy as you can get,a€?) it speaks volumes about the public perception of Seeger.


But a€?preppya€? and a€?Ivy Leaguera€? are unlikely to be part of the chorus when the time comes for the obit writers to sing of Seegera€™s remarkable life. Seeger's father Charles, a well-know folklorist, was a conscientious objector in the First World War, but his Uncle Alan was one of its storied casualties, a volunteer in the French Foreign Legion who was killed in 1916 shortly after writing his famous poem I Have a Rendezvous with Death.
Seegera€™s music also attracted the attention of the FBI, which in 1941 started a file on the folk singer that grew to encyclopedic proportions over the years.
But his enormous talent and his dogged determination not to be cowed into abandoning principles eventually lifted him above the fray. Nearing his 90th birthday, Seeger still lives in the house he built near Beacon, NY, and still takes an active interest in the Hudson River, whose waters he helped to rescue from choking pollution. Recently I heard from Mary, about the benefits she might expect to receive based on her former husband's earnings.
According to this calculator, the monthly income for someone born in 1950 who has always paid the maximum into Social Security will be about $2,450, starting at that person's Full Retirement Age (FRA), which is age 66. She can start her income as early as age 62, but in that case, her income would be reduced permanently by 30 percent, resulting in an income of about $858 per month. Here's the pure financial answer: If you think you'll live until age 78 or later, you'll get more income over your lifetime by delaying until age 66. In fact, he can remarry and his wife can receive a Social Security spouse's income as well. Now he's a research scholar for the Stanford Center on Longevity, where he helps collect, direct and disseminate research that will improve the financial security of seniors.
Although we may not be able to end sexual exploitation during our lifetime, it is our continued hope that drives us to do the work that we do so that our grandchildren and great-grandchildren will never experience the horrors of being sex trafficked during their lifetime.
We continue to be blessed by the generosity of our loyal supporters and funders throughout the local community and nation. While we have made great progress, we realize there is still a great deal of work to be done.
The evening is to premiere the Breaking Free from the Life documentary and celebrate the release of its companion book featuring the stories and art of sex trafficking survivors. Through the collaborative efforts of nine retiree groups from Northwest Airlines, NAREEVO has impacted more than 50 organizations through volunteering and community service.
Join me in support of Pancreatic Cancer Action Network's effort to advance research, support patients and create hope.
The journey Pete embarked on when he left Harvard behind has taken him bumming around the country singing for his supper, organizing for labor, fighting for civil rights, disarmament, and the environment, dueling with the government, making records, travelling all over the world, and forming groups like the Almanac Singers and later Americaa€™s most famous folk group, the Weavers. In 1955 he was summoned to testify before the House Un-American Activities Committee, where he stood on his First Amendment rights in refusing to answer questions about his beliefs. The blacklist kept him from performing in many venues, from clubs to television, until the late a€?60s.
The picture that emerges from these pages is of an evangelist of song, a romantic who believed that there is good in most people, and if you can just get them singing the right songs together, that good will pour out.
If you need the money now to make ends meet, however, you might decide to start your Social Security income as soon as possible.


Once we've attained our FRA, we can earn as much additional income as possible and not reduce our Social Security income. Because of that, she isn't eligible for the Social Security spouse's benefit from her ex-husband. While it's most likely you'll need the wage income to supplement your Social Security, those benefits can help you make ends meet. He's also president of Rest-of-Life Communications, delivers retirement planning workshops and authored Money for Life: Turn Your IRA and 401(k) Into a Lifetime Retirement Paycheck and Recession-Proof Your Retirement Years. It is with you that we stand up against this injustice and collectively give voice to the millions of lost and voiceless victims still waiting to be rescued from their oppressors. He attended Avon Old Farms, a venerable New England prep school where Brooks Brothers suits were the dress code. He met Woody Guthrie in New York City one night in 1940, and the two men soon embarked together on a hoboa€™s tour of the American hinterlands, playing and collecting music. He faced greater danger in September, 1949, when rabid right-wingers in Peekskill, NY, abetted by a locally active Ku Klux Klan, used stones and clubs on performers and their families after a concert to combat the dangers of communism and folk music. He was later convicted of contempt of Congress and sentenced to ten years, but an appeals court found a flaw in his indictment and he did not do jail time.
He was barred from TV shows like Hootenanny, which the success of the Weavers had helped to spawn.
Dunaway's portrait shows us a man who was a bit of a prig and a prude, perhaps a bit sexist in the spirit of his times. Years of throwing back his head and belting out a song finally did their damage and robbed him of his soaring tenor. However, if we're collecting Social Security income before our FRA, Social Security applies the earnings test.
He entered Harvard in the fall of 1936, in the same class as another child of privilege from the Northeast, John F.
If our annual income from wages is more than $14,160, then our Social Security income is reduced by $1 for every $2 that our wage income exceeds $14,160.
I was a stay-at-home mom for a number of years, and although I'm seeking work now, I'm currently unemployed.
The earnings test doesn't depend on the age at which you started your benefits; if you start benefits before your FRA, the earnings test only applies before your FRA, and it doesn't apply after attaining your FRA. I would really like to know what Social Security benefits I could expect to receive based on his benefits.



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