Spousal Benefits

Is It True That I Shouldn't Wait Past Full Retirement Age To Collect Spousal Benefits?

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Thank you in advance for answering my question. My husband has been legally blind since age 50 (2008) and started on SS disability. We had planned that I would not apply for my spousal benefit until age 70 (my personal benefit would be less than half of his) but we were told by SS that since he is already on SS disability that there is no financial benefit for me to wait beyond age 66. Is this true and if so are there any options that we could use to maximize my benefit?

Hi,

Can I Receive Spousal Benefits Before My Husband Files For His Benefits?

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my husband born 1/29/54 would like to wait till maximum age 70 to file for his own benefits. can i take half of his when i turn 66 in 4 years, even if he does not file?

Hi,

Your husband must be drawing his retirement benefits in order for you to potentially receive spousal benefits on his record. And, if you are already drawing benefits on your own record, you could only receive additional spousal benefits if 50% of your husband's full retirement age benefit rate (PIA) is higher than your own PIA.

Which PIA Will Be Used To Calculate My Wife's Spousal Benefit Rate?

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I will turn 70 in Dec. 2017 and my wife will turn 66 in Sept. 2018.
I plan to file for my benefits ta age 70 and my wife will file for spousal benefits at age 66 and let her own benfits grow till age 70.
I have continued working after my FRA at age 66 and this added 4 years with high income to my SS history and increased my PIA.
My question is: Which PIA will be used to calculate the spousal benefits? Is it the increased PIA with the added 4 yrs of high income or is it the PIA I would have had at age 66?

Thanks!

Hi,

Can I Collect Spousal Benefits At Full Retirement Age And Switch To My Own Record At Age 70?

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I am confused about spousal benefits. My husband filed for social security at age 65 last summer. I will turn 66 in October of 2017, and we have been married for 44 years. Am I able to collect spousal benefits after I reach my full retirement date up to the date I turn 70? Does it matter if I still work full time?

Hi,

Can My Husband Get Spousal Benefits On My Record?

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I am 66 (11/50) and my husband is 67 (4/49). I began SS at 62. He was planing to hold off filing until 70 yrs of age. We recently found out that he could have been filing for half of mine since his 66 yr birthday. We have an appointment with SS on May 5 because when we went to our local office the guy at the window told us we are not eligible for that, in his words, "because your husband was the higher wage earner." We filled out the "Application for Wife's or Husband's Insurance Benefit" to take to our appointment.

How Long Must You Be Married To Get Spousal Benefits?

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I know that you must be married nine months in Pennsylvania before you are entitled to your spouse's Social Security. My question: is "nine months" considered to be nine 4-week periods from the date of marriage, or is it the date of the marriage, nine months later? For example, I was married on July 21, 2016. Nine four-week periods later is March 30, 2017. In the second scenario, it would be April 21.

It seems like a silly question, but as you can see, in the first case I'd be eligible about three weeks sooner.

Can I File For Spousal Benefits?

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My husband & I have been married 27 years, his ss# benefit is larger than mine, we want to apply for the THE SOCIAL SECURITY SPOUSE BENEFIT, which would increase my monthly amount to the same as his, my question is he retired in 2005, he is 74, I retired in 2001 and am 80, is the amount I will receive increased based on the year he retired and is it retroactive or does it start once we have applied? Thank you!

Hi,