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When I File For My Benefits Can My Wife Suspend Her Benefits, Draw Spousal Benefits, And Then Restart Her Benefits At Age 70?

Dear Larry,

I am 69 and My wife is 67 years young. My wife started her SS at her FRA 66 yrs. and I am collecting SS on her record and plan to claim on my record on April, 2021 when I will be 70 yrs.
My question is, when I start my SS on my 70th birth month, can my wife suspend her SS on her record and start to collect on my record? And restart her's when she turns 70? Will her SS grow during this time?

I read your column regularly and learnt a lot. Thanks in advance for answering my question.

Thanks & Regards,
Shyam

Posted: 
Monday, July 13, 2020 - 12:04

Could I File For Spousal Benefits And Wait Until Age 70 To Start My Benefits?

I am FRA(66) and still working and thinking of retiring. I am married and he is retired and drawing SS. I wanted to know if I could file for spousal benefits and wait to start mine at age 70. I was born March of 1954.
Thank You

Hi,

Unfortunately, no you can't. Only people who were born prior to January 2 1954 are permitted to apply just for spousal benefits without also being required to file for their own benefits at the same time.

Posted: 
Friday, June 26, 2020 - 10:12

Can My Wife Switch To Spousal Benefits, And If So, What Does She Need To Do?

I am 70 and my wife will be 66 in August. My wife applied for SS when she was 62 and I collected spousal benefits until I was 70 and then collected my own. I have heard that when my wife turns 66 she can change to spousal benefits from me which would be more than what she is getting now. If this is true, how do I make the switch, I've looked on my wife's acct and don't see where to change that.
Thank you

Hi,

Posted: 
Friday, June 26, 2020 - 09:33

Could This Lady File For Benefits On The Records Of Either Of Her Former Husbands?

A lady, age 64 was married for more than 10 years, divorced, then remarried to her new spouse for more than 10 years. Her new spouse later died. Her first husband is 65 and has never claimed. Would she be able to claim benefits off of the record of her first spouse or her deceased spouse which ever is the highest? Thank you.

Hi,

Posted: 
Thursday, June 25, 2020 - 16:52

What Do I Do Next?

Hello my question is my husband passed away may31,2019 his age 55 he was disable had 3 amputations and passed under heart surgery may 31,2019,and I am 59 yrs.old I will be 60 in September,I would like to know will I qualify for his social security benefits?I was his payee couldn't work I took care of him til his passing on,recently found a job,my health isn't the best these days I am planning on quiting my job because of my health and I don't know what to do because I like my job,what are my chances can I do a few hours or how much is widow benefits?my husband was on SSI and Social Securit

Posted: 
Wednesday, June 24, 2020 - 09:30

Can I Get Both Of My Ex's Benefits At Age 62 And Then Apply For My Benefits At Full Retirement Age?

I am currently 60 (1960), I am twice divorced from marriages that both lasted more than 10 years. When I turn 62 can I get both of my exes benefits combined and then claim mine which is higher than both of theirs when I reach my full retirement age?

Hi,

Posted: 
Tuesday, June 23, 2020 - 14:11
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