I was born in 1950 and my wife in 1953, we are both working full time, and neither of us has filed for social security. Before she turns 66 next September, should I file and suspend so at 66 she can file a restricted application for spousal benefit only while both our "primary" benefits continue to grow at 8% or must I be actively receiving my primary benefit? Parenthetically, 50% of my benefit would be less than her "primary" benefit were she to apply for that. Thank you.

Hi,

Can a spouse collect her social security at 62 and then switch to half her husbands at full retirement age?(and would she be penalized for filing early).
Your thoughts
Ned

Hi Ned,

I plan to file for my widows benefits at my full FRA age 66. I want to wait until 70 to claim my own benefits. My husband filed for his benefits early at age 63.
My question is will SS let me waive my benefits until 70 and apply for my widows benefits even though my benefits at age 66 will be a lot higher then the widows benefits?
I heard SS will not allow you to waive until 70 if you benefits are higher.
Thank you!

Hi,

I am currently receiving Social Security disability. I am turning 66 (11/9/1952) in November when I will begin receiving retirement benefits. I plan to voluntarily suspend my retirement benefits in order to earn delayed retirement credits. My wife is already receiving Social Security benefits and began taking them at FRA. Can I file a restricted application and receive a spousal benefit until I reach 70?

Hi,

I read your book and enjoyed it. One basic question: I understand that if I claim spousal benefits, because of deeming (I'm not grandfathered), I'm also deemed to be filing for my own benefits. How does it work if I file for my own benefits before my spouse is even entitled to file for her benefits (say she is 61). Or, alternatively, if she is entitled (say she is 62) but hasn't yet because she's waiting until 70. Can I collect my own benefits now, and later switch to spousal benefits if it's higher?

My husband passed away nine years ago. I am 53 and would like to retire within the next 3-4 years but I will only receive about half my current income after I retire. Can I apply to collect my deceased husbands social security benefits plus my own pension when I do retire

Hi,

I'm sorry for your loss.

Hi, I hope you can help
I've been collecting D.I.B. since 2007. In November I will turn 66 and will be switched to R.I.B.. Is it possible to withdraw my R.I.B. and apply for Spousal Benefits under my Husband's account? He is 67 and has been collecting his R.I.B. since August 2017. Half of his benefit will be less than my R.I.B.. I was hoping to defer my R.I.B. until I turn 70.
If I do this, will I have to pay back all the Disability benefits I've received since 2007?

I will be turning 66 in July, 2019. If I start collecting ss in Jan or Feb.2019..will I be able to collect all my ss and work full time without reduction in ss benefit.

Hi,

I am going to be 66 this year and have two dependent children (under 18). My spouse is only 54. My oldest is diagnosed with ADHD. Is a file and restrict option available even though my wife is quite a distance from retirement.
Her income is substantially greater than mine.
Thank you, Glenn

Hi Glenn,

Hi Larry,

My wife and I have reached FRA and are ‘grandparented’ so she is eligible to take the spousal benefit and let her own benefit grow until age 70 if she chooses. However, even if she waits her own benefit will still be significantly less than the spousal benefit.