THE REVERE ADVOCATE – FRIDAY, MAY 17, 2024 Page 13 RHS Patriots Girls’ Track seniors have high expectations for the future By Tara Vocino R evere High School Patriots Girls’ Varsity Track seniors shared their collegiate plans during last Thursday’s Senior Night against the Chelsea High School Red Devils at Harry Della Russo Stadium. COLLECTING SOCIAL SECURITY BENEFITS Y ou can claim your social security benefits once Captain Camila Echeverri (in center) was accompanied by Angelina Montoya and Head Coach Racquel MacDonald-Ciambelli. Echevarria plans to attend UMass Amherst to study nursing to become a travel nurse and then a pediatric nurse. Captain Yara Belguendouz was accompanied by Liv Young (right). Captain Giselle Salvador (in center) was accompanied by her friend Ashley Rodriguez (left) and Head Coach Racquel MacDonald-Ciambelli. Salvador plans to attend Simmons University to study exercise science. you reach age 62. However, if you begin collecting at age 62, your benefi ts will be permanently reduced by 25% to 30%, depending on your birth year. Furthermore, if you begin collecting at age 62 and you are still working, you will have your benefi ts further reduced once your income exceeds a certain level. Once you reach your full retirement age, you can earn as much as you want without suff ering a reduction of benefi ts. For those born in 1960 or later, the full retirement age is 67. If, for example, you were born in 1958, your full retirement age would be 66 and 8 months. The Social Security Administration (SSA) has a table that you can go by to determine what your full retirement age is and how much your benefi ts will be reduced by claiming early and how much they will be increased by waiting to age 70 to collect. If you wait beyond age 70 to collect, you will not receive any higher benefi t. If you delay collecting your Ambra DeCicco-Clyne was accompanied by her proud mother, Leslie. DeCicco-Clyne plans to attend the University of Michigan, majoring in aerospace engineering to become a Navy pilot. Captain Angelina Montoya Araque (in center), was accompanied by Captain Camila Echeverri and Head Coach Racquel MacDonald-Ciambelli. Araque plans to attend UMass Amherst to study architecture to build fancy buildings in Boston. Ashley Chandler was accompanied by Head Coach Racquel MacDonald-Ciambelli. Chandler plans to attend Chaminade University to study sports management to become a playeragent. social security benefi ts until after your full retirement age, your benefi ts will increase 8% each year until age 70. One benefi t of this strategy is if you were to die at age 71, your surviving spouse who was married to you for at least 10 years would receive 100% of your monthly benefi t. If that surviving spouse did not have a higher monthly benefi t under his or her own work history and did not have a suffi - cient state pension to live on, as well as signifi cant liquid assets, that could be very important for the surviving spouse in order to continue with his or her standard of living. If a spouse collects benefi ts under his or her spouse’s work history, those benefi ts will be permanently reduced if that spouse begins collecting priAnabella Sandy-Roche was accompanied by her proud mother, Marly, and her sister Kamilla. Sandy-Roche plans to major in environmental science; hopefully, at UMass Amherst or the University of Vermont. BOSTON LEAGUE | FROM Page 6 in the GBL, ahead of Medford, which is at 11-1 in the GBL. Everett Girls Softball has a #34 PowBella Stamatopoulos was accompanied by her proud mother, Leanne, and her sister Gemma. Stamatopoulos plans to attend Center College on a Posse Foundation scholarship. er Ranking in Division 1. GBL Champion Malden Girls Tennis Team (11-0) looks to fi nish undefeated for season Malden Girls Tennis can acCaptain Rocio Gonzalez with her father, Sam Ros, a former track coach. (Advocate photos by Tara Vocino) complish a rare feat if it can defeat Lynn Classical at home on Monday, May 20 — an undefeated 12-0 record with two games left to make up. Malden or to his or her full retirement age. If you were to die after reaching your full retirement age, your surviving spouse would then be able to collect 100% of your monthly benefi t, including the increased benefi t you might be receiving as a result of waiting until age 70 to collect benefi ts. You can claim a surviving spouse social security benefit under your deceased spouse’s work history at age 60 and then transition to your own work history at your full retirement age assuming this would result in a higher monthly benefi t. Furthermore, you could even wait until age 70 to collect under your work history resulting in even a higher monthly benefi t. I would suggest establishing an account on the www. ssa.gov website to review your work history and to make sure all of your earnings have been posted properly. Go onto the retirement calculator tab to project your estimated benefi ts based upon retiring at full retirement age or at age 70. You would input your expecting earnings as well. If a divorced spouse remarries, he or she would lose the opportunity to collect benefi ts based upon the previous spouse’s work history. That is a real important consideration for divorced couples. Joseph D. Cataldo is an Estate Planning/Elder Law Attorney, Certified Public Accountant, Certified Financial Planner, AICPA Personal Financial Specialist and holds a Master’s Degree in Taxation. is 11-0 and has already clinched its second consecutive Greater Boston League Championship. The Golden Tornado team can achieve a fantastic fi nish — an undefeated regular season — if it can defeat Lynn Classical at home on Monday, May 20 and then reign in its fi nal two makeup games.

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