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Can I File And Suspend My Benefits At FRA And Receive Divorced Spousal Benefits?

My birthday is 9-6-52. Can I file for SS benefits at FRA, suspend till age 70 and receive divorced spousal benefits during the time of suspension? I was married more than 10 years, am currently unmarried, and my ex spouse is 67 and currently collecting SS benefits. Thank you.

Hi,

No, but you could file for just divorced spousal benefits only at your full retirement age (FRA) and then file for retirement benefits on your own record at age 70. If you instead file for and suspend your own retirement benefits at FRA it would prevent you from being able to receive divorced spousal benefits (https://www.ssa.gov/planners/retire/suspendfaq.html).

You may want to use our maximization software to verify which filing strategy is best in your case.

Best, Jerry

Category: 
Posted: 
Mar 23 2018 - 7:06am
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