Should I File Now Or Wait Until Age 70?

Jun 23 2017 - 7:35am

My wife, a Federal Gov't worker for 30 yrs was under FERS and CSRS, thus she is probably going to receive a small SS monthly check because of GPO and WEP. Would it be better to claim now (age 68) or wait until age 70 as we intended to do to get the largest amount? I am retired military with 28 yrs in the service for my country. I made about 1/3 more than she did through the years.


I would need more information (e.g. DOBs, PIAs) about you and your wife in order to give you an opinion. The maximization software available on this website is fully programmed to handle cases involving WEP and GPO, so you should strongly consider using it to determine the best overall strategy for you and your wife.

Best, Jerry