Filing Options

Can My Wife File For Her Own Social Security At Age 62 And Then Receive 50% Of My Benefit Amount When I File At Age 70?

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My wife will turn 62 in a few months. She spent most of her adult years raising a family but did work sufficiently to be eligible for social security. I am planning on waiting until 70 to begin to receive social security and at that time she will receive 50% of my amount. I simply want to confirm that she can apply for her own social security at age 62, receive it until I turn 70 and then receive 50% of my amount at that time. We are both the same age.

Hi,

Could My Mother-In-Law Have Suspended Her Own Benefits And Received Survivor Benefits Instead?

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My mother-in-law is presently 70 yrs old. She started her SS benefits when she was 62. Shortly thereafter, her husband died and she "switched" over to his higher survivor benefit...but technically, I think she maintained her own benefit and applied for window's benefits, which was the difference between her deceased husband's higher benefit and her current benefit.

Can I Collect Both My Own Benefit And Widower's Benefits?

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I am a 67 year old widower and collecting my late wife's social security spousal benefit.
I was under the impression that I couldn't collect both my spousal benefit AND my own.
Therefore I should wait until age 70 to drop hers and start mine. Is that best? Can I collect both? Thank you

Hi,

You can't collect both your own Social Security benefit and a full widower's benefit at the same time. If and when you file for your own benefits you'll receive only the higher of the 2 benefit rates.

Should I File And Suspend When My Wife Reaches Age 66?

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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 I File Just For Widow's Benefits At Age 66 Even If My Own Benefit Rate Would Be Higher?

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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,

Can I Suspend My Benefits At FRA And Receive Spousal Benefits Until Age 70?

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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,

Can I Collect My Own Benefits Now And Later Switch To Spousal Benefits If It's Higher?

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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?

Is It Possible To Withdraw My Retirement Benefits And Apply For Spousal Benefits?

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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?