Can My Wife Receive Spousal Benefits From My Record Before I Reach Age 62?

Category: 
Mar 12 2020 - 5:20pm

Hi Larry,
My wife is 62 and I will be 62 in Dec this year. She wants to start drawing her social security now. I will wait until I am FRA to draw mine. Can she also receive benefits as a spouse from my record before I reach 62?

Hi,

No, the soonest that your wife could receive spousal benefits is when you start drawing your benefits. And, she'll only qualify for spousal benefits if 50% of your primary insurance amount (PIA) is higher than her own PIA. A person's PIA is equal to the amount of their Social Security retirement benefit if they start drawing at full retirement age (FRA).

You and your wife should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to explore and compare all of your various options so that you can determine the best strategy for maximizing your benefits.

Best, Jerry