Can My Wife Who Was Born In 1959 Collect Benefits On My Record Now?

Category: 
Jan 12 2020 - 5:42pm

My birthday is 08 03 1953 and starting collecting social security benefits on June 2018 my wife birthday 04 11 1959 still working can she collect off my social security benifits now

Hi,

No, unless your wife has a child in her care who is eligible for benefits on your record and who is either under age 16 or disabled. Otherwise, your wife would have to be at least age 62 to potentially qualify for spousal benefits.

Assuming that your wife doesn't have an eligible child in care, she couldn't file for spousal benefits without also filing for her own Social Security retirement benefits at the same time. So, she'll only be eligible for spousal benefits in the future if your primary insurance amount (PIA) is more than twice as much as her 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).

Also, if your wife files for benefits prior to FRA her benefit rate will be reduced for age and her benefits could be subject to full or partial withholding if she earns more than the Social Security earnings test exempt amount. The exempt amount in 2020 is $18,240, but that amount is adjusted annually.

Your wife should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze all of the various filing options available to her so that she can identify the best way to maximize her benefits.

Best, Jerry