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My dearest friend is Ticker, who just had her 17th birthday. We celebrated with a "cake." She came from a family who didn't want her anymore. That was 16 years ago, and I am so happy to have her! -- Caroline B., Miamisburg, Ohio more
ocial Security Matters Ask Rusty – Should I Claim Family Benefits? Dear Rusty: I was born in 1956 and my wife in 1961. I've got 45 years of SSA earnings, and I will have income in 2021. We have 4 minor children, the youngest born in 2012. When is the best time for us to apply for benefits? Are we eligible for family benefits? My statement infers that we are. Signed: Older Dad Dear Older Dad: Born in 1956, your full retirement age (FRA) for Social Security purposes is 66 years and 4 months. If you claim your SS benefit at any time before your FRA, it will be permanently reduced. If, for example, you claimed your SS benefits now, the amount would be permanently cut by about 14%. Your wife’s FRA is 67 and, similarly, she will receive a reduced SS retirement or SS spousal benefit if taken any time before her FRA.  Your wife isn’t normally eligible for benefits until she is 62 years old, but if she is providing full time childcare to your minor children, she is eligible for spouse benefits sooner. Child-in-care spouse benefits are available at any age for your wife if she is providing care for at least one of your minor children under the age of 16. You must be collecting your own SS benefit for your wife to be eligible for this.  Once you start collecting your Social Security, your minor children will become eligible for benefits also. Minor child benefits are available to any child under the age of 18, or 19 if still in high school. All your children who qualify under that definition would be eligible for benefits based upon your Social Security earnings record. But, because of Social Security’s Family Maximum, the amount each child receives would be less than half of your FRA benefit amount.  The Family Maximum amount is different for everyone because it is computed using each person’s Primary Insurance Amount, or “PIA,” which is the amount you are entitled to at your FRA. The Family Maximum normally computes to somewhere between 150% and 180% of the primary beneficiary’s PIA, and that amount is shared by all those collecting. So, in your family’s case, your PIA amount is first deducted from your Family Maximum amount and the remaining 50% to 80% is equally apportioned among all those collecting benefits on your record (including your wife if she receives child-in-care benefits). If all 4 of your children are minors, and your wife is collecting child-in-care benefits, those 5 individuals would each receive an equal portion of the remaining family maximum amount after your PIA is deducted.  It’s probable that your family would get the entire family maximum amount, for as long as your wife and minor children are eligible for benefits. But remember that claiming your own benefit before your full retirement age results in a permanent reduction to the benefit you will receive for the rest of your life. So, you should evaluate which option is financially better considering your life expectancy – claiming now and getting the full Family Maximum amount in these earlier years or waiting longer (even up to age 70) to receive a higher personal benefit for the rest of your life. You should also consider that if you die first, your wife’s survivor benefit will be based upon the amount you are receiving at your death, so the age at which you claim also affects your wife’s benefit as your widow. Finally, if you claim before you have reached your full retirement age, Social Security’s earnings limit will apply until you reach your FRA. If you work and exceed the limit ($18,960 for 2021), Social Security may withhold your benefits for several months, and your dependents won’t receive their benefits while yours are withheld. Note too that your earnings limit will go up by about 2.5 times during the year you attain FRA. This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/social-security-advisory) or email us at ssadvisor@amacfoundation.org. ### _______________________________________ more
Brandi Jean Dodson and Bobby Dylan Green of Cleveland announce the birth of their son, Anakin Silas Green, on July 16, 2021, at Tennova Healthcare – Cleveland. He weighed 7 pounds 10 ounces and was 20 !/2 inches long. more
Elizabeth Hooker to be Teen Board presentee more
REGINA PIERSAUL presented a program on growing and caring for hydrangea, more
THIS WEEK IN HISTORY – 1982 Five indicted in cocaine bust near Cleveland more
Lenore Sanders, back second from right, and Lilly Watts, third from the right, attended the SEC Fashion and Design Conference and completed several activities.   more
FROM KING FEATURES SYNDICATE, 300 W. 57TH STREET, 41ST FLOOR, NEW YORK, NY 10019 more
Dear Annie: I recently dined out with three friends. The restaurant was very busy, and we waited for nearly two hours for our food. We were drinking and enjoying a band, so it wasn't that bad. I … more
Cleveland’s NFB chapter learns about City Fields more
It was a night where 17 talented young women showed the world   the future looks bright as these candidates for the title of 2022 Distinguished Young Woman of Tennessee dazzled a small, but … more
CHAPTER PRESIDENT Jerry Hjellum presented Past Chapter President Joseph White a Certificate of Appreciation for his 2020 service as a chapter president in the Tennessee State Society. more
It happened this week in 1972 more
LIBRARY CORNER July 18 – July 24 The Cleveland Bradley County Public Library has entered Phase 4.5 of our 5-Phase Reopening Plan. Face coverings are requested, but no longer required to enter the library. Reservations may be required depending on the time of day and location that you plan to visit. To make a reservation for computer use, please call the Non-Fiction Desk at 423-472-2163, ext. 126. For all other reservations, please contact the Administrative Assistant at 423-472-2163, ext. 110.   SUNDAY | July 18   Summer STEAM - THE CHALLENGE - with Mr. Mike more
Closet clean-out Dear Readers: Midsummer closet clean-out on the weekend? Who's ready? School and work will fire back up soon; getting a jump on organizing is not a bad thing at all. Let's take … more
She thought she was going out with a friend to have pizza one recent evening, but little did Mary Tim Burgin know  she was going to be having dinner with nearly 25 others who she coached in her … more
Dear Annie: We recently moved from our home of 20 years to a neighboring state that is two hours away by car. Our children are 21 and 19. We had set our sights on moving to this community several … more
Ocoee Theatre to have auditions for upcoming drama more
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