Ask Larry

Can I Still File For Spousal Benefits Only At Full Retirement Age Under The New Law?

My wife will collect Soc Security @ FRA in September 2016. I reach FRA in October of 2016. Under the new rules, Can I still apply for a spousal benefit and delay applying for my own FRA benefit until age 70? Thank you.

Hi,

Yes, you can. The new law (https://www.ssa.gov/planners/retire/deemedfaq.html) that blocks this filing strategy only applies to people born after January 1 1954.

Best, Jerry

Posted: 
Aug 29 2016 - 11:00am
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