Wife was born March 29, 1955 and is receiving SSDI. I was born October 23, 1954 and want to wait until 70 to draw social security. Can my wife claim spousal benefits when I reach 66 and forego her SSDI? Must I file and suspend if that option is still available.

Thanks so much.

Hi,

No. Your wife couldn't receive spousal benefits at least until you start receiving your benefits, and she could only qualify for spousal benefits if 50% of your full retirement age rate (PIA) is higher than her own PIA. It wouldn't help for you to file for and suspend your benefits since your wife couldn't be paid spousal benefits while your benefits are in suspense (https://www.ssa.gov/planners/retire/suspendfaq.html).

Your wife's disability benefits (SSDI) will automatically convert to regular retirement benefits when she reaches her full retirement age (FRA). She can't decline the conversion, although she could voluntarily suspend her retirement benefits at that time in order to accrue delayed retirement credits. However, if 50% of your full retirement age rate (PIA) is significantly higher than your wife's PIA then suspending her benefits at FRA would almost certainly be disadvantageous.

You and your wife may want to consider using our maximization software to explore and compare your various options in order to determine your best overall strategy.

Best, Jerry