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Can I Claim Spousal Benefits When My Wife Files At Age 62?

As of today I am 66 years and 1 month old (born December, 1951) and my wife is 61 years and 6 months old (born September 1956). Both of us are retired and have not claimed social security benefits as of now.
1. Can I claim spousal benefits when she files at age 62?
2. Can she claim spousal benefits at age 62 if both of us claim social security when she turns 62?

Hi,

The answer to both of your questions is basically yes. If your wife files for her benefits at age 62, you could file a restricted application for spousal benefits only. You could then file on your own record at age 70, at which time your wife would become potentially eligible for additional spousal benefits if your full retirement age rate (PIA) is more than twice as much as her PIA. If you file on your own record before age 70 your wife may qualify for spousal benefits sooner, but your benefit rate will be lower because you wouldn't receive as many delayed retirement credits (https://www.ssa.gov/planners/retire/delayret.html).

You and your wife should strongly consider using the maximization software available on this website in order to compare your options and determine your best filing strategy.

Best, Jerry

Posted: 
Jan 30 2018 - 9:33am
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