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Ask Rusty: Can my Wife Claim her SS Now and Get Half my SS Benefit Later?
Dear Rusty: My wife will reach her full Social Security (SS) benefit at 66.5 years of age, which is just under two years away for her now. If she were to begin to get her monthly check now (i.e. early), would that prevent her from being eligible for the spousal benefit to receive half of […]
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Dear Rusty: My wife will reach her full Social Security (SS) benefit at 66.5 years of age, which is just under two years away for her now. If she were to begin to get her monthly check now (i.e. early), would that prevent her from being eligible for the spousal benefit to receive half of what I am currently drawing?
Signed: Curious Husband
Dear Curious: If your wife claims her own SS retirement benefit now (e.g., at 64.5 years), and you are already collecting your own SS benefit, then she will be automatically deemed to be filing for her spousal benefit immediately when she claims her own benefit (she does not have the option to defer claiming her spousal benefit until later). This is a change made by the Bipartisan Budget Act of 2015, which requires all those first claiming SS to file for all benefits they are eligible for when they claim. What that would mean is that your wife’s benefit now, including her spousal boost from you, would be actuarially reduced by the number of months early she claimed. Her own SS retirement benefit would be permanently reduced by about 15 percent, and her “spousal boost” (the additional amount she would get as your spouse) would be reduced by about 19 percent, yielding a combined benefit that is roughly 42 percent of your full retirement age (FRA) SS benefit.
The only way your wife can get half (50 percent) of your FRA benefit entitlement is by waiting until her own FRA (66 years and 10 months) to claim. Note too that your wife’s spousal benefit will be based on your FRA entitlement, so if you claimed earlier or later than your own full retirement age, her spousal benefit will still be based on your FRA entitlement.
Also, your wife should be aware that anyone who claims early is subject to Social Security’s “earnings test,” which limits how much can be earned while collecting early benefits. Thus, if your wife is working, she will be restricted on how much she can earn before the Social Security Administration (SSA) takes away some of her benefits. FYI, the earnings limit changes annually, but for 2025 it is $23,420 and, if that is exceeded, the SSA will take away $1 in benefits for every $2 over the limit. And, FYI, the earnings limit goes up a lot during the year FRA is attained, and the earnings test no longer applies once full retirement age is reached.
I hope this answers your question, but if you have need additional information, please feel free to contact us directly at SSAdvisor@amacfoundation.org, or call us at (888) 750-2622.
Russell Gloor is a national Social Security advisor at the AMAC Foundation, the nonprofit arm of the Association of Mature American Citizens (AMAC). The 2.4-million-member AMAC says it is a senior advocacy organization. Send your questions to: ssadvisor@amacfoundation.org.
Author’s note: This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained, and accredited by the National Social Security Association (NSSA). The NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity.

Workforce development included in State of Ag address in Syracuse
SYRACUSE — Increasing support for agricultural education and agricultural-workforce development, a stronger food system, and fighting climate change. New York State Agriculture Commissioner Richard Ball spoke about those topics as part of his State of Agriculture address on Jan. 9. His remarks were part of the 193rd New York State Agricultural Society Annual Forum held
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SYRACUSE — Increasing support for agricultural education and agricultural-workforce development, a stronger food system, and fighting climate change.
New York State Agriculture Commissioner Richard Ball spoke about those topics as part of his State of Agriculture address on Jan. 9. His remarks were part of the 193rd New York State Agricultural Society Annual Forum held at the Nicholas J. Pirro Convention Center at Oncenter in Syracuse.
The event outlines the agricultural industry’s progress in 2024 in several key priority areas. The forum is traditionally the oldest and largest agricultural meeting of its kind in the state, the New York State Department of Agriculture and Markets said in its announcement. The theme of this year’s forum was “Trends, Tech, and Teachable Moments.”
New York’s top agriculture official reviewed the state’s efforts to provide increased support for agricultural education and agricultural-workforce development in 2024, and the desire to build on those efforts in 2025.
This year’s State of Agriculture address included a special presentation from New York agriculture’s young leaders across the state’s agricultural organizations and programs. They included 4-H; New York FFA; Minorities in Agriculture, Natural Resources and Related Sciences (MANRRS); and the Ag Society Ambassador program, “highlighting the state’s commitment to strengthening agricultural education and workforce development,” the department noted.
Following the first-ever Youth in Agriculture Conference held in 2024, the state will launch a blue-ribbon panel to advance agriculture education in 2025 and continue its work to promote and support New York’s county fairs and the New York State Fair as agricultural education hubs.
“As we hit the ground running in the new year, I am optimistic about the future of agriculture in New York. With the help of our strong network of partners, and our history of innovation and change, New York’s agricultural industry will continue forward,” Ball said in the announcement. “I have seen real progress for our farmers despite the challenges they continue to face. After hearing today from young people who are venturing into agriculture with high hopes and passion for the industry, I feel more confident than ever that we are all in good hands. Let’s celebrate our wins today, even as we roll up our sleeves to do more.”
In keeping with this year’s forum theme, Ball also spoke about the challenge that New York farmers face on the global, national, and local fronts. He also highlighted the many opportunities the agricultural industry has before it, the department said.
Ball outlined the state’s work to boost the agricultural industry and strengthen the food system, combat climate change, and increase food access for all New Yorkers. These include updates on the state’s $34 million Dairy Modernization grant program; $21 million for a new Alternative Waste Management and Enhanced Precision Feed Program to further the mitigation of agricultural greenhouse gas emissions; the department’s Climate Resilient Farming Program; Gov. Hochul’s executive order 32 directing New York State agencies to increase the percentage of food they source from New York producers to 30 percent; The Beginning Farmer grant program; and the Socially and Economically Disadvantaged Farmer grant program, per the department’s announcement.
In his address, Ball spoke about the department’s continued work alongside its many partners to ensure a strengthened food-supply chain through several programs and initiatives, including Nourish New York, the Farmers’ Market Resiliency Grant Program; the Farm-to-School initiative; the 30% NYS Initiative; the $50 million Regional School Food Infrastructure Grant Program; the FreshConnect Program; the U.S. Department of Agriculture-funded New York Food for New York Families program.
“With some of the best food in the world available right in our own backyard, we are working to increase food security in our communities; develop a strong, local food supply chain right here at home; and ensure all New Yorkers know where their food comes from and can access the nutritious food they need,” Ball said. “Food insecurity should not be an inevitable consequence of geography or poverty; we need to see it as a solvable problem. An accurate measure of success for us needs to more than the number of bushels per acre or number of acres planted. We need to focus on how our success in agriculture translates into success in our rural communities and on connecting the dots between those of us who supply the food system and those of us who need access to it.”
PRSA CNY elects new chapter leaders, board members
SYRACUSE — The Public Relations Society of America Central New York Chapter (PRSA CNY) announced it has elected two experienced area communications professionals as co-presidents of the chapter. Amy Doonan Cronin and Alice Maggiore will share the role of CNY chapter president for a two-year term, the local PRSA chapter said in a Jan. 13
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SYRACUSE — The Public Relations Society of America Central New York Chapter (PRSA CNY) announced it has elected two experienced area communications professionals as co-presidents of the chapter.

Amy Doonan Cronin and Alice Maggiore will share the role of CNY chapter president for a two-year term, the local PRSA chapter said in a Jan. 13 news release.
Cronin, who previously held the position of treasurer for the organization since 2021, is the executive director of the New York Six Liberal Arts Consortium, a collaborative effort of six higher-education institutions in upstate New York. She previously worked at the University of Virginia, Hobart and William Smith Colleges, and owned an independent consultancy. Cronin holds the Accreditation in Public Relations (APR), an internationally recognized professional credential certified by PRSA.

Maggiore, who has served on the PRSA CNY Chapter board since 2020, is the director of public relations at Strategic Communications, LLC, a Syracuse–based public-relations agency. She’s held previous PR positions with the New York State Fair and the Downtown Committee of Syracuse, Inc. Maggiore is also president of the SUNY Oneonta Alumni Association.
Cronin and Maggiore recently co-chaired the 2024 PRSA Northeast District Conference held in Syracuse, which drew more than 150 PR professionals from eight states. Together, they succeed Melissa Farmer Richards, founder of iMarketingMix, as PRSA CNY president. Richards will continue to serve PRSA as Northeast District chair for 2025.
The PRSA CNY Chapter also announced it has elected Jared Paventi as chapter secretary. Paventi, who has been on the board since 2021, is strategic-communications manager at National Grid.
The chapter board also elected the following four individuals to their first two-year terms on the chapter board:
• Ana Villareal DuFlo, independent communications consultant
• Catherine Manion, assistant VP and public relations and social-media manager at NBT Bank
• Brooke Schneider, senior public information officer, City of Syracuse
• Kathleen White, marketing and public relations manager at Loretto
The Central New York Chapter of the Public Relations Society of America is a volunteer-led trade association representing marketing-communications professionals in the Greater Syracuse and Mohawk Valley regions.

CXtec names new CEO following Belyea retirement
SYRACUSE, N.Y. — CXtec has named a new CEO following the retirement of Peter Belyea, who had been with the company for more than 35 years and served as CEO from 2016-2024. The company has announced the appointment of Todd Zegers as the firm’s top official. Zegers, who joins CXtec with more than two decades
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SYRACUSE, N.Y. — CXtec has named a new CEO following the retirement of Peter Belyea, who had been with the company for more than 35 years and served as CEO from 2016-2024.
The company has announced the appointment of Todd Zegers as the firm’s top official. Zegers, who joins CXtec with more than two decades of experience at the forefront of IT Asset Disposition (ITAD) leadership, “brings insight and management expertise that will guide the Company through the next phase of growth,” CXtec said.
CXtec describes itself as North America’s largest provider of full-service information-technology (IT) lifecycle products. The company is headquartered inside City Center at 400 S. Salina St. in downtown Syracuse.
CXtec has been a portfolio company of Miami, Florida–based H.I.G. Capital since 2016. H.I.G. Capital is a global alternative investment firm with $67 billion of capital under management. The firm has a position on the CXtec board of directors and was involved in the search for a new CEO.
Zegers said he’s “honored” to step into the role of CEO “at such an exciting time” for CXtec.
“I’ve always been very impressed with the business and culture that CXtec has built, and I believe our opportunity to grow and work with even more partners to optimize their IT hardware management and service needs in a sustainable and cost-effective manner is limitless,” Zegers said in a statement. “I have already had the opportunity to meet and speak with hundreds of CXtec employees in the past days and weeks and I couldn’t be more excited to work with such an impressive group of people on how we can continue bringing value to the companies we work with. By partnering with major players in this space, identifying markets and industries where we can grow, and making strategic investments in the Company itself, we’ll be able to collectively expand on CXtec’s already distinguished legacy and lead the Company to future growth and success.”

ALBANY, N.Y. — NY CREATES, Natcast, and the U.S. Department of Commerce have reached the final agreement to make Albany NanoTech the first flagship facility

ANDRO wins $2 million AFRL contract
ROME, N.Y. — ANDRO Computational Solutions, LLC has been awarded a contract by the Air Force Research Laboratory (AFRL), valued at more than $2 million,

Syracuse football coach Fran Brown wins two coach-of-the-year awards for new coaches
SYRACUSE, N.Y. — Syracuse University (SU) head football coach Fran Brown has received a pair of national honors for first-time head coaches after his successful

VIEWPOINT: N.Y. Becomes 2nd State to Enact Climate Change Superfund Act
On Dec. 26, 2024, Governor Kathy Hochul signed the Climate Change Superfund Act (Act) into law, making New York the second state (after Vermont) to impose the cost to repair and prevent climate-change impacts on a broad segment of the fossil-fuel industry. The Act states that climate change, which results primarily from combustion of fossil
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On Dec. 26, 2024, Governor Kathy Hochul signed the Climate Change Superfund Act (Act) into law, making New York the second state (after Vermont) to impose the cost to repair and prevent climate-change impacts on a broad segment of the fossil-fuel industry.
The Act states that climate change, which results primarily from combustion of fossil fuels, is an immediate and grave threat to New York’s communities, environment, and economy. To address the harm that has occurred and that will transpire in the future, the Act amends the New York State Environmental Conservation Law to establish a climate-change adaptation cost-recovery program predicated on the “polluter pays” principle.
The cost-recovery program is intended to secure compensatory payments from responsible parties to provide revenue for climate change adaptive infrastructure projects in New York. Payments will be used for new or upgraded infrastructure to mitigate and protect against climate-change impacts. Beginning in 2026, the program will assess $3 billion per year for 25 years (a total of $75 billion) on fossil-fuel companies to partially offset the hundreds of billions of dollars required to repair and prepare for climate-change events between now and 2050, according to New York State.
The Act establishes a “covered period” of Jan. 1, 2000 through Dec. 31, 2018, and payment will be demanded from any entity which, during any part of the covered period, was engaged in the business of extraction of fossil fuels or the refining of petroleum products and which the New York State Department of Environmental Conservation (NYSDEC) determines is responsible for more than 1 billion tons of covered greenhouse gas (GHG) emissions.
Cost-recovery demands will be issued to responsible parties who are considered strictly liable for a share of the costs. Individual cost-recovery demands will be issued in amounts representing the same ratio to $75 billion as a responsible party’s share of covered GHG emissions is to the aggregate GHG emissions of all responsible parties.
The Act applies a formulaic approach to determining the amount of GHGs attributable to a responsible party. Specifically, 942.5 tons of CO2e is treated as released for every 1 million pounds of coal attributable to a party; 432,280 metric tons of CO2e is treated as released for every 1 million barrels of crude oil attributable to a party; and 53,440 metric tons of CO2e is treated as released for every 1 million cubic feet of fuel gas attributable to a party.
While targeted at entities engaged in extracting and refining fossil fuels, a potential open question may be the scope of Act’s eventual reach. For example, “covered greenhouse gas emissions” is defined to mean the total quantity of GHGs released into the atmosphere during the covered period (expressed in CO2e), including GHGs resulting from “extraction, storage, production, refinement, transport, manufacture, distribution, sale and use” of fossil fuels or petroleum products extracted, produced, refined, or sold by the entity. The means by which GHGs have been generated (e.g., distribution, sale, use) is broader than the activities engaged in by responsible parties (extraction or refining). Accordingly, it will be important to monitor the NYSDEC’s rulemaking efforts to determine whether the Act may be interpreted to capture additional entities whose activities lead to the GHG emissions.
The Act represents a bold effort to ensure redress for climate-change harms, and while praised by environmental advocates, its effectiveness will certainly be tested in the courts.
Robert R. Tyson is a member (partner) with the Syracuse–based law firm Bond, Schoeneck & King PLLC. He is chair of the firm’s property department and its environmental and energy practice. Contact Tyson at rtyson@bsk.com. This viewpoint article is drawn and edited from the firm’s website.

Wilmington Trust adds senior wealth associate in Syracuse
SYRACUSE — Wilmington Trust, the wealth-management arm of M&T Bank Corp. (NYSE: MTB), recently added a new wealth-management executive, Nathaniel Parish, to its Syracuse team as the firm continues to expand its business across the region. Nathaniel Parish is a senior wealth associate who works to provide comprehensive wealth-management advice to high-net-worth individuals and families,
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SYRACUSE — Wilmington Trust, the wealth-management arm of M&T Bank Corp. (NYSE: MTB), recently added a new wealth-management executive, Nathaniel Parish, to its Syracuse team as the firm continues to expand its business across the region.
Nathaniel Parish is a senior wealth associate who works to provide comprehensive wealth-management advice to high-net-worth individuals and families, entrepreneurs, and business owners throughout upstate New York.
Prior to joining Wilmington Trust, Parish spent two years in the wealth-management field as a financial representative at Northwestern Mutual and just over one year as a financial analyst.
Parish holds an MBA and a bachelor’s degree from St. Bonaventure University. He also has a New York State Life, Accident & Health Insurance license.
Wilmington Trust says it serves high-net-worth and ultra-high-net-worth individuals, families, entrepreneurs, business owners, foundations, and endowments and their advisors.

New York manufacturing index slides back into negative territory in January
The Empire State Manufacturing Survey general business conditions index is back in negative territory, after falling 15 points to -12.6 in January. It’s the second
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