Filing Options

If My Husband Files A Restricted Application For Spousal Benefits Does He Have To Wait Until Age 70 To File For His Own Benefits?

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Just purchased the software and playing with the numbers. Quick question... I am 64 and 4 months. My husband will turn 66 in November. Since I only work a minimal amount at this time, it appears it might be more advantageous for me to file for social security now and my husband file a restricted application for spousal benefits. While retired, he does have a part-time job and is not ready to give that up yet. If he does file the restricted application... does he have to wait until age 70 in order to file for his full benefits .. or can he do it at any time.

Can I File And Suspend And Could My Wife Then Receive Half Of My Benefit Rate?

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Sir, your SS books have been most helpful to me. I have a question now if I may presume upon your expertise. I had thought that due to the Law changes we did not qualify for “File and Suspend”. However, in a recent September Kiplinger Magazine, they had a short Q/A that made me question my original assumptions on how I read your books and other information.

Am I Eligible To Draw A Spousal Benefit When My Husband Files?

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Larry, I was born in 8/1955 and my husband was born in 7/1955. My husband retired in April 2009 and is receiving a retirement benefit since that time. I have continued working all these years and want to retire in 2020. Neither have started taking SS benefits. Am I eligible to draw a spousal benefit from my husband once he takes his next year?

Also, should I retire at the 1st of the year or wait until August 2020?

Thanks.

Hi,

When I Turn 62 Can I Receive Divorced Spousal Benefits And Then Collect My Own Benefits At Age 70?

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I am 55 years old and divorced and have not remarried. I was married for to my ex-wife for 12 years. She is 5 years older than me. I make significantly more than her and have maximized my Social Security amounts. When I turn 62 is it possible for me to file and receive spousal benefits and then collect under my own when I turn 70?

Hi,

Can My Husband File For His Benefits Now And Then Switch To A Spousal Benefit When I File?

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Dear Larry,
My husband, DOB 10/23/53 is eligible for FR this month. But he also is under the GPO because he worked for the government for 40 years. My DOB is 6/17/57 and I will wait until my FRA at 66.5 to file. Can he file now and get his small amount and then switch to spousal benefit when I file? I know he might be eligible for a restricted application due to his age, but I don't understand if it would apply to our situation.

Hi,