I am receiving a SS retirement monthly benefit of $2933.10, (before Medicare deduction) but my wife is only receiving $1110.00. I am 71 and she is 72. Why does she not get 50% of my amount?

Hi,

Unreduced spousal benefits are calculated based on 50% of the worker's full retirement age benefit rate (PIA), not the benefit rate that the worker is receiving. So, if the worker starts reduced benefits prior to their full retirement age, it does not reduce the spousal benefit payable on their record. And, if the worker delays filing past full retirement age in order to receive delayed retirement credits (DRC), that doesn't increase the spousal benefit rate payable on their account. Furthermore, if the spouse starts receiving benefits prior to their full retirement age, their spousal rate would be even lower than 50% of the worker's full retirement age rate.

For example, say your full retirement age benefit rate was $2200, but you waited until age 70 to start drawing benefits. Your monthly rate would be increased by 32%, or to $2904, due to delayed retirement credits. However, the most that could be paid to a spouse on your record would be $1100, or 50% of your full retirement age rate. Widow's benefits do include delayed retirement credits earned by the worker, though, so if you die first your wife will be paid your full rate including DRCs.

Best, Jerry