Should I Be Eligible For Half Of My Husband's Benefits?

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Jul 6 2018 - 12:32pm

I am 77 but I claimed my retirement at 62, my Husband claimed his at age 66 he is now 83. When I applied they told me I could only claim my own which at that time was approx 650, When my husband claimed his it was about 2000. I went to the social security comm and they told me I could not claim any part of his. It has stayed this way, however after ready some more am I entitled to mine and the difference of his, (his 2000 - 1000- 650=350 added ?

Hi,

Whether or not you could be eligible for additional spousal benefits depends on your primary insurance amount (PIA) as compared with your husband's PIA. If your PIA is less than half as much as your husband's PIA, then you should be eligible for a spousal benefit equal to 50% of your husband's PIA minus your PIA.

Your PIA is basically the same as your full retirement age benefit rate. In other words, it's the amount that you would now be receiving on your own record if you had started drawing your retirement benefits at your full retirement age (FRA) instead of at age 62.

You may want to try re-contacting Social Security to see if you'd qualify for spousal benefits. If they say no and you aren't satisfied with their explanation you could insist on filing for spousal benefits anyway. The worst thing that could happen is that they would disallow your claim and continue paying you your current retirement benefits.

Best, Jerry