Filing Options

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,

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.