Dear Rusty:  I was born in late 1951. When I retired 5 years ago, I was made aware that my own Social Security benefit was less than half of my husband’s SS Benefit. So, I chose to take half of his. What happens to my undispensed SS dollars? On the off chance the balance increases beyond the amount I am now collecting, can I eventually switch to my own full SS amount? Signed: Curious Senior

This recording presents the viewpoints of the AMAC Foundation’s Social Security Advisory Staff, trained and accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). NSSA and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government. To request additional information, contact our Advisory Staff at 888-750-2622, or email us at SSAdvisor@AmacFoundation.org.