Ask Larry

Can I File For Spousal Benefits To Increase My Benefits?

I received SS disability which converted to regular SS when I turned 65, I'm now 68 my benefit is $1900 a month. My spouse will be 66 this month and filing in January 2018. His benefit amount will be approx $2600. My question can I apply for spousal benefits to increase my benefit to match his?

Hi,

No. A full spousal benefit is equal to 50% of the worker's full retirement age rate (PIA), and since your own benefit rate is well over 50% of your spouse's PIA you wouldn't be eligible for spousal benefits.

By the way, instead of filing for retirement benefits your husband would have the option of filing just for spousal benefits only on your record at age 66 while allowing his own retirement rate to grow until age 70. That would raise his future age 70 rate by 32%, which you could also potentially receive in the future as a widow should your husband die first. Your husband may want to strongly consider using the maximization software available on this website in order to compare his options so that he can choose the best possible filing strategy.

Best, Jerry

Category: 
Posted: 
Dec 7 2017 - 6:09am
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