Filing Options

Can I Take My Own Social Security Benefits Now And Then Switch To Half Of My Husband's Benefit When He Files?

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I am 62 & my husband is 68. He plans to delay taking social security until he is 70. Can I take social security now based on my own earnings & then switch to taking half of my husband's benefit (based on his earnings) when he begins taking social security benefits at age 70? Is my benefit then based on what his benefit would have been at his full retirement age (66) or what he will get by waiting until he is 70?

Hi,

Can I File For My Own Benefits At Age 67 And Switch To Spousal Benefits When My Husband Applies For His Benefits?

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I will be 67 in February 2020. My husband will be 70 in May 2021. He did not file and suspend in 2016. My SS benefits at 70 will be less than half of my husbands full benefit. After reading your book, I believe should take Spousal benefits when he files for SS benefits at 70. My question is: Can I file for my SS benefits in February of this year and switch to Spousal benefits when my husband applies for benefits at 70? Will I be stuck receiving my lower benefit for the rest of my life and denied spousal benefits later?

Hi,

Can I Still Collect Medicare If I Have Fewer Than 40 Quarters Of Social Security Coverage?

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I have worked 30 years in a school system and contributed to the Maine State Retirement System. My husband has always been self-employed and is of retirement age planning to start collecting this year. I have only paid in 20 quarters of social security in my working career and want to know if I can still collect Medicare (my insurance will be too expensive when I retire) and if my husband passes away before me, how much am I eligible to collect from his social security (percentage). Thank you.

Hi,

Does My Husband Need To Apply For Benefits Before He Reaches Age 66?

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My husband will turn 66 on 1/12/20. Does he need to either file for social security or file and suspend before his birthday? He has been ill so We don’t know how long we will be able to suspend collecting. My birthday is 1/10/56. Is it possible that I will be able to file and suspend then collect spousal benefits either now or when I turn 66 +4 months?

Hi,

Can My Wife Collect Reduced Retirement Benefits And Can I Then File A Restricted Application For Spousal Benefits?

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I am 67,my wife 63.Neither of us is currently collecting SS benefits.My PIA@FRA is about 2500.My wife about 850.She earns about 18200 per year,I earn about 80000.
Is it feasible for her to collect RETIREMENT BENEFITS at reduced rate NOW,and for me to now file and restrict(I was born before 1954). I would collect spousal benefits until 70.
At 70 I start collecting my OWN RETIREMENT BENEFITS,and wife switches to spousal benefits which are more than her retirement benefits.

Hi,

Can I Apply Online To Switch From Drawing Divorced Spousal Benefits To Drawing My Own Benefits?

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Hi Larry,

I filed a "restricted application" when I turned 66 in Sept 2016 which has allowed my own benefit to continue to grow. I plan to file for my own benefits upon turning 70 which will be Sept of 2020. I'm looking for help with the logistics.

(1) Is there an online application somewhere to request a switch from ex-spousal benefits to my own? Or must I do this via phone, personal visit, or some paper application since I am already receiving an ex-spouse benefit?

Shouldn't I Be Able To Draw Spousal Benefits While My Own Benefits Are Suspended?

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I am 66 (Birthdate 1953) and took reduced social security benefits at 62 (in 2015). I went back to work at 64 (in 2017) in August. I knew I would surpass the earnings limit with my new salary, so I called SSA in August and let them know so that my social security payments should be stopped / withheld (suspended?) , starting August. When I turned 66 (2019), I called SSA and asked for my SS Benefit to continue to be suspended, as I do not want to start drawing until I retire again in 2-3 years. I was told my account would be in "voluntery suspension".

Am I Allowed To File For Benefits On My Ex-Spouse's Record At FRA And Allow My Own Benefit Rate To Grow Until Age 70?

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Hi Larry, my DOB is 4/21/54. I was a stay at home mom until divorced in 2009 (married 35 yrs). I have been working for ten yrs and am eligible to collect $799 at my FRA of 66 in April 2020. My ex-spousal benefit at 66 will be $1,060. I have been told by two SS call center persons that I can start collecting my ex-spousal benefit in April and let mine grow until I’m 70. But according to what I read on the SS website, I missed that option having been born after Jan 1, 1954. I even read the paragraph to one of them.

If I Wait Until FRA To Draw My SS Can I Draw Spousal Benefits?

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My wife and I are 60 years old. I am the primary income earner and could draw $2000 in SS starting at 62 based on my earning history. My wife can draw $700 at 62 based on her earning history. My question: if I want to wait until my FRA to draw my SS, can I draw a spousal benefit based on my wife’s earning history and if so, how would this affect the amount of SS I would receive at FRA.

Hi,