Can My Wife File For Just Benefits On Her Own Account At Age 62?


My wife is a British citizen and a naturalized American citizen. She worked in the UK for over 20 years and in the US for about 7. She was born in March 1955.
I "filed and suspended" when I turned 66 in October 2014. Our son was under 18 at the time and I collected $1321 a month for about ten months. I plan to wait until I turn 70 to start collecting.

Can my wife file for SS when she turns 62 in 2017, without having any reference to spousal benefits? I'd like to have her receive the $1321 adjusted for inflation when she turns 66 and two months.

Will this Strategy Invoke Deeming?


Hi, I turned 66 in January 2016 and have an FRA retirement benefit of $2100 but I plan to wait until 7 to draw my benefit. My wife will turn 62 in Oct 2016 with FRA retirement benefit of $590 and she wants to collect at age 62 the reduced benefit of $440. She accepts this reduced benefit until she can file spousal benefits (at near her FRA) when I take my benefit. My question is: Can I file and restrict to spousal benefits after my wife has filed for her early benefit without causing SSA to invoke the "Deemed Filing for Spousal" clause on her benefits? Thanks, Terry

How Does Deeming Affect Our Maximized Strategy


Hi, I purchased your software last year. I am the lower earning spouse, and have been receiving SS retirement benefits since I turned 62 (in Oct. 2008). I will be 70 in October. My wife will turn 66 in October. According to your software, in order to maximize our combined benefits, my wife should apply for spousal benefits in July (3 months prior to her birthday). Then, when she turns 70 she can file for her own higher retirement benefit.

How Does Deeming Work?


I turn 62 in September 2016, and want to start collecting Social Security. I was laid off from my job last year, and made about $92,000 in 2015. My husband will be 63 in November 2016, and will retire then and begin collecting SS. He is currently making about $57,000 annually. I am confused about "deeming". Since he has not filed yet, will I receive my own benefit, or whichever is the higher of the two? And, then will he just collect on his own benefit when he retires a few month after me? Is his benefit affected by me retiring a few month before him?

Will My Wife Be Deemed If I'm Not Collecting?


My wife will be 62 soon (in July 2016). I am a year younger at 61. I have earned much more than my spouse over the years (est $2,270 from SS @ FRA), but she could receive some Social Security on her own work record (est $660 from SS @ FRA). However, she could obviously receive a much higher payment by taking the maximum spouse benefit from me when I retire (est $1,135 from SS). I plan to keep working and not receive Social Security until I am 70, in 9 years (est $3,010 from SS @ age 70).