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Filing Options

Can I Re-File For Spousal Benefits?

I am 67 and filed for my own social security at 62. My husband is 3 years younger than me and has just filed for his social security at the age of 64. We were both born after 1954. His social security amount is $1750.00 and mine is $987.00, can I re-file for spousal benefits? Would I make any difference in the amount?

Tuesday, August 3, 2021 - 09:20

Is My Wife Eligible For Spousal Benefits While Waiting For FRA?

I am drawing SS benefits based on FRA (BD 5.25.52). My wife is retiring, and her FRA (BD 8.15.56) is Jan 2023. We are married 39 years as of Dec, 2021. Our children are grown and on their own. Is she eligible for Spousal benefit while waiting for FRA? have contacted SS via telephone 5 times, 2 say no, 2 say yes, 1 says file on site to determine. Found your site via a Forbes article.

Wednesday, July 28, 2021 - 12:08

What Impact Would Filing For Her Own Benefits At Age 62 Have On My Wife's Survivor Rate?

I am 52 and my wife is 51. The best strategy to maximize our social security income seems for my wife to claim on her own service at 62 and I claiming spousal benefits until I am 70 and switch over to claim under mine given that I am the one earning higher salary over time. However, my question is what impact has to social security income that my wife is getting if I were to deceased before I turn 70. Can she still wait until I would have turned 70 to claim under my entitlement, thus receive higher social security income?

Look forward to your reply.


Wednesday, July 28, 2021 - 11:07

What Benefits Can I Expect In The Future?

I need to know what is going to happen in my future, so my husband has been working at his job fir over 20 yrs and I only worked here and there throughout my life so when it comes to social security will I get any or will my husband be the only one to get social security? He has taken care of me for almost 20 yrs and I have not worked at all& never will be able to due to chronic pain but not I also was told long ago I couldn’t get disability social security cause my husband makes around 75,000 plus a year is that true??

Thursday, July 22, 2021 - 12:41

If I Start Drawing My Benefits At Age 62 Can I Switch To My Husband's Benefits When He Starts Drawing?

Hi Larry. If I will receive the Social Security Benefits at 62 years old, can I swish to my husband Social Security Benefits, when he will receive.
If yes how much % I will receive form my husband Social Security Benefits?
Thank you very much.

Thursday, July 15, 2021 - 18:15

Can I Switch From My Own Benefits To Drawing On My Husband's Social Security?

Hi Larry
I have been receiving my social security since I turned 66. I was born 10/53. Can I switch and start receiving benefits on my husband's social security. His is a larger monthly amount than mine.

Hi. No, you can't start drawing own benefits first and later switch to drawing spousal benefits. You could, however, apply for an excess spousal benefit on your husband's record. If you qualify, the excess spousal amount would then be paid in addition to your own benefit rate.

Saturday, July 10, 2021 - 12:09

Is There Anything I Can Do If I Wish I Wouldn't Have Started My Benefits At Age 62?

In March 2005 I was a victim of a hit and run auto accident Later had súbditas hematoma surgery My insurance agent told me I had to take social security at 62. I did but now wished I’d waited until 66. She was an Aetna rep and denies she did this. I’m now 75. Thank you

Hi. If the Social Security benefit you started drawing at age 62 was Social Security disability (SSDI), then it was probably good advice to start your benefits as soon as possible. SSDI benefits aren't reduced for age so there's generally no downside for starting those benefits early.

Saturday, July 10, 2021 - 11:47
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