We are wondering if my wife can receive any benefits as my spouse (spousal benefits). I have enough quarters to qualify for social security. Plus after retiring for a year i am back at work and paying into social Security once again. I was born August 17, 1948 and my wife was born in 1951. She will soon be 65. My difficulty is this. For over thirty years ('82-2014) I did not pay into social security as I was a Foreign Service Officer and am currently receiving a pension thru State Department. My wife contributed to Social Security her entire career, but we wonder if we can't file for her "spousal benefits". Any information on where I might go to get some clear guidance would be greatly appreciated.
Kevin,
Your wife can receive spouse's benefits as soon as you file for your retirement benefit. However, if she takes her spouse's benefit before her full retirement age of 66, then she will be deemed by law to have also filed for her retirement benefit at that time, which means that she can't earn delayed retirement credits for an increased retirement benefit at age 70. Our software, MaximizeMySocialSecurity, can determine the best filing strategy for you.
Best,
Mike