Social Security, Special Needs Trust: Q&A #2646
November 14, 2026
Jim and Chris discuss listener emails on Social Security child-in-care and spousal benefits, drawing from an inherited IRA to delay Social Security, and Roth conversions to fund a Special Needs Trust.
(7:15) A listener caring for a disabled adult daughter wonders whether a child-in-care spousal benefit could allow the higher-earning spouse, to delay her own benefit until age 70.
(16:45) The guys field a question from a 68-year-old waiting until 70 to claim, who asks whether a wife already collecting since 62 can add a spousal benefit and, if so, when to file.
(23:45) Jim and Chris weigh whether a single 68-year-old ready to leave a stressful job should start Social Security now or draw from an inherited IRA until age 70.
(44:30) George asks whether Roth conversions, paired with a tax-efficient place to hold the cash for conversion taxes, are the right way to protect an inheritance left to two children through a special needs trust.
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