Can My Wife Collect Spousal Benefits Without It Affecting My Social Security Payments?

May 16 2019 - 6:08pm

I am 58 and still working. My spouse is 63 and never paid into SS. Can she collect Social Security (Spouse benefit) and not have it effect my Social Security payment? Also, I'm retired from the Military and collect retirement payment, will that have and effect on my SS benefit?


Yes, if your wife qualifies for spousal benefits it will have no effect on your benefit rate. Your wife can't qualify for spousal benefits until you start drawing your benefits, though. Your military retirement payments won't have any effect on your Social Security benefits.

You and your wife may want to strongly consider using our software to explore and compare your various options so that you can choose the best possible overall strategy for collecting your benefits.

Best, Jerry