Ask Larry

Can My Wife Take Spousal Benefits When I'm 62?

Hi Larry,
My wife has been on S.S. disability for anxiety for over 20 years. She receives about $765 per month. She is 60 years old. I work full time making about $80,000 per year. I am only 50 years old. My question is, is she stuck with the $765 per month the rest of her life or can she take my spousal benefit when I'm 62?
Thank you so much for any advice.

Hi Brandon. Your wife wouldn't be eligible for spousal benefits until you start drawing your benefits. So, the only way that your wife could qualify for spousal benefits when you reach age 62 is if you start drawing reduced benefits at that time, and if your earnings are low enough for benefits to be payable from your account. Social Security retirement and auxiliary (e.g. spousal) benefits can be subject to withholding due to Social Security's earnings test until the worker on whose account the benefits are payable reaches full retirement age (FRA) (

The only way that your wife could collect benefits from your account prior to when you start drawing your retirement benefits is if you die or if you become entitled to Social Security disability benefits. You may want to consider using our software ( to fully analyze the options available to you in order to determine your best strategy for maximizing benefits for you and your wife.

Best, Jerry

Sep 15 2021 - 4:00pm
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