Filing Options

Will I Automatically Start Drawing My Own Higher Benefits When I Turn Age 70?

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I filed for social security at age 66 but deferred receiving benefits and instead received spousal benefits for a couple of years. When my husband died last year, I was automatically switched to survivor's benefits.

I want to receive benefits on my own record when I turn 70 in a year, since these will be higher than the survivor's benefits. My question is whether this will happen automatically, or if I have to do something.

Hi,

I'm sorry for your loss.

Can A Wife File Only For Her Own Benefits And Refuse Spousal Benefits?

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The below is a example where the total family benefit is reduced if the wife is forced to take the spouse benefit with the husbands account. In this case child benefit is also part of the family. Even though the spouse benefit exceeds the wife's benefit it reduces the total family house hold benefit. In this case can the wife refuse the spouse benefit and take the smaller wife benefit?

Husband PIA = $3000
5 in house hold, Husband, Wife and three children under 18 years of age
Maximum combined house hold limit exceeded so using SS provided limit = $5500

Can I Take My Benefit Now And Let My Divorced Spousal Benefits Ride Until Age 70?

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I am about to turn 66 in February of '19 (FRA) divorced for several years and never remarried. I plan on taking my SS retirement at that time. I was born in 1953 and if I am reading your book correctly I am one of those that wouldn't be deemed as having to take my divorced spousal benefit. I was married 25 years and he always made more than I did. My benefit amount will be about $1200 a month at FRA and $1600 at 70. His is most likely around $2500 or $2600 or possibly more.

Will I Be Able To Claim Any Benefits From My Wife's Record When She Retires?

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I was born in 1953 (65 yo) and can claim my benefits on Feb 2019. I am the lower earner and will receive $1000/month.
My wife was born in 1964 (she is now 54 yo). She is the higher earner and at 67 she will receive $ 2000/month.
When she retires, will I be able to claim any benefits from her income that will increase my SS income.?
I do not know if you can answer my second question:

Does My Own Larger Benefit Disqualify Me From Claiming Spousal Benefits?

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My broker suggested that I file a restricted application for a spousal benefit. My application was rejected but the reason is unclear to me. I am 66 and have not yet begun to draw benefits. My husband is 68 and has been drawing since January 2018. If I were to claim benefits now based on my own earnings record, my benefit would be about 10% larger than my husband's. Does my own larger benefit disqualify my claim to a spousal benefit?

Hi,