My wife worked until around 10 years ago. She has become a homemaker since then. We are both 49 years old. I have a full time job and a small pension to pay our bills and whatnot. My question is can my wife claim her social security at 62 and then switch to spousal social security when I retire at 67?

Hi Larry:
I will turn 70 in Sept. 2021 and have not started SS. I am going thru a divorce that my not be completed until Oct 2021. Can I wait 6 months past my 70th birthday then file for SS and request a 6 month lump sum ?
Craig

Hi Craig. Yes, you can.

Best, Jerry

Hi Larry, my spouse just started receiving his SSI last month--about $1300. I received the form letter from SSA regarding his ap and since my birthday is July of 1953 I am eligible to receive the spousal benefit. I have a phone call with SSA on July 14th. I have read your book but I am still very confused. IF I go ahead and accept a spousal benefit of about $600, does this disqualify me from getting my full retirement benefit of about $3000 at age 70? I plan on waiting until that age to retire.

Hi Larry -

After receiving COMPLETELY CONTRADICTORY ADVICE during various calls to SSA, I am writing you in the hope you can provide some guidance:

Background:

I was born January 1952 and my loving wife was born Sept 1951. Neither of us has claimed SS. I am no longer working; my wife still works, earning approx $35K/annum. My estimated benefit @ 70 is $3900/mo and my wife's @ 70 is $1600.

Questions:

Hello Larry,

In researching our plan to request social security benefits I ran across this statement on the social security administration's website. Does it mean that since I was born in 1955, that I cannot take advantage of filing for my benefits, putting them on hold, and then receiving 1/2 of my husband's benefits? He will be 70 in October of this year and he plans to file for his benefits then.

I am 65; my wife is 63. My social security (SS) full retirement age PIA benefit is approximately $200 greater than hers. We had been planning on waiting to file for social security until a later date in order to maximize our benefits, especially delaying my filing in order to increase her survivor benefit.

I?m 54 years old and receive SSD, $2464. . My wife is 62 and wants to retire at age 63. If she starts drawing SSA at age 63, approximately $913, will she be eligible for spousal benefits for my SSDI instead of her PIA at her FRA as it will be more than her PIA? Or what is the best way to file for benefits?

I took my social security benefits at age 62. My husband who is younger than me now turned 66 in April 2021. Can he collect additional amount on spouse SS. I remember being told that spouse can also claim half of the amount.

Hi Larry,
Can I apply my deceased husbands( survivor benefit) ssi at 65 then change my own ssi at 70?
Thank you.

I am 62; My wife is 66; Both of use plan to defer taking Social Security until we are 70. I am the higher income earner. When my wife turns 70, we planned for her to take her benefit at it's maximum. Since I am waiting until I turn 70 to start my benefit, she cannot apply for spousal benefits. What happens when I turn 70 and begin taking benefits since she will be 74. Will her benefits go up to 1/2 of mine (my FRA estimate is approx. $3000 and her's is $1000; Age 70 benefit is $ 4000 and $1300 respectively). How do the deeming rules apply in this situation?