I have worked full time for 40 years and paid into social security but am now staying at home taking care of my Mother with Dementia as her caregiver. How is this going to affect my social security benefits? I am trying to do the best for her without shooting myself in the foot.
Being Moms caregiver does not effect your SS. Your Mom's and your income are separate. If Mom needs services, its based on her income yours is not considered.
If you are a widow you can collect at 60. You can start collecting at 62 but will get less than if you wait till 66 or 67 (depending on your birthdate)for 100%. If you wait till 70 u get over the 100%.