[hanamizu]

Depending on where you live, Social Security can be a big help. They can tell you right away about her Medicare status. I could be wrong about your getting socked for working after 70 1/2. I still work—a little—and every year my Social Security gets bumped up because of it—a very little. I do believe (and could be wrong, so ask them) that SS benefits don’t keep going up if you defer claiming them after a certain age. You do have to starte drawing down IRAs after 70 1/2.

When I went into SS, I was struck by how few geezers/geezerettes were in the waiting room. Seems like everyone else there was drawing disability. And don’t even think about using a cell phone inside the office. Good luck.

[Thank You Rush]

No additional benefits apply AFTER reaching age 70..Good to know if people can remember. I didn’t remember that. You’re right about beginning withdrawals from an IRA at 70 1/2...You will be notified at the beginning of each year from whatever company has your IRAs, the amount that will be considered the MINIMUM withdrawal that MUST be distributed but more if you choose. Interesting subject and info on this thread...

https://www.ssa.gov/planners/retire/applying1.html

[oh8eleven]

When I went into SS, I was struck by how few geezers/geezerettes were in the waiting room.
Six years ago, just before I turned 65, I stopped into my local SS office and noticed the same thing.
Since my town is 90% white, I was even more bewildered to see that 95% of them were minorities.