Dear Rusty: I will be 70 in January and my wife will be 65 in February, at which time we will both go on Medicare. I am currently working, and my approximate Social Security benefit will be around $2,900. My wife was a stay-at-home mom and, therefore, has minimal Social Security benefits on her own. At 65 she is eligible for $870 and at full retirement age will qualify for $990. A few questions...