Spousal Benefits

Can My Wife File For Spousal Benefits Before I File For My Benefits?

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Dr. Kotlikoff,

Today, I finished reading your updated book, Get What's Your's from Social Security. I was looking for information about filing a Restricted Application. I kinda threw in the towel on doing anything other than my wife and I each filing at age 66 after the File and Suspend option went away for us. After reading page 82 of your book, and several other pages, it seems we may be eligible to do something similar with a Restricted Application. Here are our data:

WIll My Own Account Continue To Grow If I File For Spousal Benefits Now?

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I am 64 and 3 months and stopped working in 2012 with no plans to return to work. My wife's benefits are mores than mine. she is 60 and I want to use restricted benefits option.
if I file now spousal benefit now , will benefit on my account continue to grow.
Do I have to wait for 66 to file restricted benefits
Anything else I should know?

Hi,

Can I Receive Spousal Benefits Even If I'm Already Drawing On My Own Record?

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I started collecting my SS benefit at age 62 which was in 2015. My husband has just turned 66 and has filed for his SS benefit. He is currently working and is planning to continue until he's 70. From what I have read, he will get his full benefit because he is 66. My question is even though I am collecting my benefits, can I also collect on his? His has a much larger benefit than mine and financially could use the extra money. If so, will my benefit go back to my original lower amount when I turn 70?

Hi,

Can Someone Who Reaches FRA In February 2018 File A Restricted Application For Spousal Benefits Only?

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Husband is FRA as of May 2017 and wants to file and suspend. Higher earning spouse is now retired and will be FRA in February 2018. Used your software but cannot figure out if wife can file a restricted application for spousal benefits in February 2018.
Thanks

Hi,

I don't have access to the data that you entered into the software. Please submit questions about use of the software or your results via an online contact form in the help center.

Can My Wife File A Restricted Application For Spousal Benefits If We Are Legally Separated?

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My wife and I have been married over 40 years and continue to live together. For asset protection reasons, on the advice of our attorney, we are "legally separated.
My wife is turning age 66 (FRA) and I am 71 collecting SS.

Can we file for restricted application for spousal benefits since we are legally separated?

Hi,

Do Spousal Benefits Increase If You Start Drawing Them After FRA?

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I plan to delay taking SSA benefits until age (70) in order to maximize the benefit. Will my wife's Spousal Benefit increase after her FRA, or does it remain at 50% of my FRA at 66? If the latter is the case, I imagine it's best to file along with my wife at her FRA and then suspend my benefit until age 70? She reaches FRA in Feb 2018 and I have reached it already. Thank you.

Hi,

When Can My Wife Start Receiving Spousal Benefits?

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Larry, I am 64 and receiving disability benefits of $1475.00 less $105.00 = $1370.00 monthly, and my wife is 62 now and turning 63 this year. How long before (what age) she can go to the well herself in claiming survivor benefits, i.e. half of what I'm receiving? And in the event of my death would she be bumped up to what I receive?
I'm retired military and do not have survivor's benefits for her other than medical and other privileges - nothing financial coming in other social security. Please advise @ your earliest. Thanks, Leo - Marine veteran...