Filing Options

Can I Receive Spousal Benefits Without It Affecting My Own Benefit Rate?

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My wife is 63 years old as of 5/2/1954 and is receiving disability benefits due to cancer (approximately $1,600 per month). I am 62 years old as of 1/20/1955 and do not plan to file for social security benefits until at least full retirement age. At full retirement age, I am forecasted to receive about double what she is receiving now. My question is, can I receive a disability spousal benefit now without it affecting/reducing my own future social security benefits when I file at full retirement age?

Can My Wife Collect Spousal Benefits At Age 65, Or Should She Wait Until She Is Age 66?

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I filed & suspended before Apr 2016, when i turned 66. My wife is 65. Can she collect spousal benefits now? or should she wait till she is 66?
Thanks

Hi,

Your wife could file for reduced spousal benefits at age 65, but she'd then also be deemed to have filed on her own record. Depending on her circumstances, it may be better for her to wait until age 66 (i.e. her full retirement age) so that she can file just for spousal benefits only and allow her own benefit rate to grow until age 70.

Why Should I Wait Until Age 70?

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Most articles on social security recommend waiting until 70 until taking benefits and I understand that delaying will increase the monthly benefit by 8% or so per year of delay. However, if I use a spreadsheet and sum the total benefit amount from age 66 to 95 for both benefits starting at 66 and 70, the subtotal of the 70 column doesn't exceed the 66 column until my late 80's. The grand total at age 95 for both columns differs by less than 20 thousand dollars. Sounds like a typical annuity behaviour.

Can My Wife Draw On Her Record Now And Receive Spousal Benefits When I Retire?

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I am 64. My wife is 63. I am going to work until 67. My wife has 40 credits and is a homemaker now. Can she draw SS now, then increase her SS by applying for spousal benefits when I retire? Thanks

Hi,

Your wife can file for reduced retirement benefits now, but she'll continue to receive reduced benefits even if she later becomes eligible for an additional spousal benefit from your record.

Will My Wife's Spousal Benefits Be Reduced If She Files On Her Own Record At Age 62?

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I was born in Sept 1955 and My wife was born in June 1956
I earned a lot more money, so her benefit as my spouse is larger than her benefit on her own account.
If she starts collecting SS on her account at 62, does that reduce her spousal benefit?
Can I file as her spouse when she is 62? Does that reduce my benefit on my own account?

Hi,

Can I Get Retroactive Benefits Beginning Anytime in 2017?

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i am 69 and want to start collecting benefits in Sept. 2017. Can I get retroactive benefits to begin anytime in 2017?

Hi,

Assuming that you haven't already filed and suspended your benefits, you can claim benefits up to 6 months retroactively from the month in which you apply. Note, however, that you will not receive delayed retirement credits (https://www.ssa.gov/planners/retire/delayret.html) for any months for which you end up being paid.

Best, Jerry