My deceased father (born 1938) pass at 60. My mom started collecting her full at 65. She also remarried and my stepdad (born 1953) who worked for about 10yrs in USA as he immigrated but now is a citizen. He wants to collect SS at 66 so next year. What is the best way to maximize SS for them? Thanks!

Hi,

That all depends on the relative benefit rates involved. If your mother is drawing benefits on her own record, your step-father could file just for spousal benefits only at age 66 and allow his own benefit rate to grow until age 70. I can't say for sure if that would be the best choice, though, without knowing everyone's primary insurance amounts (PIA).

Assuming that your mother remarried after age 60, she could potentially be eligible for either retirement benefits on her own record or widow's benefits right now, with the possibility of spousal benefits when your step-father files on his record. And, your step-father could potentially qualify for benefits on his own record or for spousal benefits on your mother's record. Your mother and step-father should strongly consider using the maximization software available on this website in order to sort out their options and determine their best overall filing strategy.

Best, Jerry