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Stephanie O. Joy, Esq. / Joy Disability
- Feb 18, 2017
- 2 min
BLOG: Delaying Filing for SSDIB or Failing to Win, Can Kill Retirement Benefit.
Happy Saturday! With the first half off for a mother-daughter date, and some stunning February weather, it is hard to get back in here...


Stephanie O. Joy, Esq. / Joy Disability
- Sep 1, 2015
- 1 min
BLOG: Does Spouse's Income Count Towards Early Retirement Earnings Limit?
QUESTION: I'm 62 and collecting social security. My wife is still working. Does our combined income affect my Social Security benefit...


Stephanie O. Joy, Esq. / JoyDisability
- Jul 17, 2015
- 1 min
BLOG: I Am Over 62, and I Want Early Retirement Social Security Benefits, But I Didn't Apply at
No. Unfortunately, there are no retroactive benefits payable when reduced early age (62) retirement benefits are taken. You are entitled...
Stephanie O. Joy, Esq./JoyDisability.com
- Jun 30, 2015
- 1 min
BLOG: Interplay Between Our Own Retirement Benefits, Spousal Benefits and Survivor Benefits.
QUESTION: My wife and I were both eligible for our own retirement benefits. We are both full retirement age. Her retirement benefits were...