Ask Larry

If I Take My SS Now But End Up Withdrawing My Claim, Will My Wife's Spousal Benefit Recalculate To The Date I Reapply?

I reach my FRA August 2023. My wife took SS at 62 and her FRA is May 2025. If I take my SS now and then opt to exit out before one year and repay my benefits and spousal benefits, will my wife’s spousal benefit recalculate to the new date I apply for SS? Thanks.

Hi. Yes. If you file for benefits now but subsequently withdraw your claim, when you reapply for benefits both your benefit amount and your wife's spousal amount would be calculated based on your ages as of your new benefit entitlement dates.

You and your wife may want to strongly consider using our software ( to fully compare and analyze all of your various options so that you can determine the best overall strategy for maximizing your benefits.

Best, Jerry

Jan 28 2023 - 4:14pm
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