according TO MAXIMIZE my social security, I have applied for my benefits (age 64) oct 2017. we have a 13 year old. it has recommended that I apply for mine and I should receive child benefits and that my wife ( 60 ) should apply for child in care ...how do we do that ? is it based off my application or does she have to go thru her SS . When I applied online I show no area that indicates child in care , and she does not want to open her SS and mess things up.

Enlighten Me Please....

Hi,

Just to clarify, I answer general questions submitted here and I don't have access to data that clients enter into the maximization software. If you have specific questions about the software or your results, you should submit them via an online contact form in the help menu.

Your wife will need to file her own application in order to become entitled to spousal benefits, but her claim will be filed under your Social Security number. And either you or your wife will need to file an application on behalf of your child. Since your wife's entitlement is contingent on your child's entitlement to benefits and since you can't apply online for child's benefits, it will probably be necessary to file their applications either by phone or in-person at a Social Security office. You should be able to make an appointment by calling Social Security at 1-800-772-1213.

Best, Jerry