Filing Options

Will It Jeopardize My Spousal Rate If I File For My Own Benefits Retroactively?

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My FRA was in February 2020 at age 66. I did not file for social security benefits at that time. It is now January 2021 and I am considering filing a six-month retroactive claim under my own record. I do understand that my monthly benefit will be calculated based on what I would have been receiving then if I had filed at that time. I do know that I will receive the previous six months in one lump sum and moving forward will receive a reduced amount. As stated before I would be filing under my own record. I am married. My husband is not drawing social security.

If My Wife File For Her Benefits At FRA Can She Also Apply For Spousal Benefits When I Start Collecting My Benefits?

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Hi Larry,
My question pertains to spousal benefits. I was born in 1955 and my wife's birth year is 1960. My Social security will be $3095 at FRA and hers will be $905. I intend to collect my SS at maximum age 70 years. If my wife, applies for her SS at FRA, can she also apply for spousal benefits when I start collecting my increased SS when I turn 70? If so, will her benefits be sum of her initial amount plus half of mine ($3095). Thank you

Hi,

How Much Will My Wife's Monthly Benefit Be If She Claims Spousal Benefits At Age 62?

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Hi Larry,
I began collecting my SS benefit at full retirement age. I am currently collecting $3,O00 monthly. My wife would like to retire at age 62. At full retirement age, she would receive $1,980 monthly.

How much will her monthly benefit be is she claims spousal benefits at age 62?

Thank you

Hi,

Would It Be More Advantageous For Me To Collect On My Own Record Or My Ex-Husband's Record?

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Hello,
I am currently working and living in the Netherlands. I have lived and worked overseas for the past 17 years. My home state is Iowa. I turn 65 in July, 2021. I was married for 17 years. I have not remarried since my divorce in 2001. My question concerns whether it would be more advantageous for me to collect on my ex-husbands SS rather than mine. I worked stateside in Wisconsin for 17 years. My ex-husband has been collecting on his SS for 6 years. He turned 69 in December. Your advice is appreciated. Regards.

Hi,

Am I Required To File For My Own Benefits At Age 70?

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I have been collecting SS since I turned 66 1/2 as a widow (survivor) under my ex-husband's account. I did not retire until August 2019 from my federal job. I have turned 70 (Dec 2020). Am I now required to switch to my own account as I am now 70 yrs. old? There is a substantial difference between what I have been receiving and what I would receive under my own ss. Do I have the option of continuing on my survivor account?

Hi,

Can I Start My Benefits At Age 69, Then Withdraw And Refile At Age 70?

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I have been receiving benefits from my husband's account for three years on a restricted application. I would like to start benefits on my own account for one year at the age of 69. I will then withdraw my application, pay it back and then file again At age 70. I need the extra income but will have the money to pay it back in one year.

Hi,