Filing Options

Can An Ex-Spouse Start Taking Their Own Benefits At Age 65 And Switch To Divorced Spousal Benefits Later?

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Is there a problem for an ex-spouse to start taking her own SS benefit at age 65 and wait till her ex-spouse starts drawing his SS benefit 6 years later when he turns 65 and switch to half of his benefit? They were married long enough (27 years).

Hi,

Can I And/Or My Husband FIle Restricted Applications For Spousal Benefits If Neither Of Us Has Filed For Our Own Benefits?

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Unclear on restricted application, I will be 66 October 2018, husband will be 66 March 2018, both plan to start collecting SS at age 70. QUESTION: when I turn 66 in October can I file restricted application collecting a spousal benefit even though both of us are delaying SS to age 70? Can he do the same when he turns 66? I have read numerous articles and SSA info on this topic and I am still confused.

Hi,

No. The only way that you could qualify for spousal benefits is if your spouse is drawing retirement or disability benefits on their own record.

Can My Wife Suspend Her Widow's Benefits Until FRA If I Die Before Then?

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Follow up question to Aug 7th concerning Widows benefits. If my wife is taking early Spousal benefits, say age 62 and I took early retirement and die before she reaches her FRA, can she elect to suspend receiving widow benefits until reaching her FRA so as to then get the higher of my reduced benefit or 82.5% of my FRA?
Also, if I take early benefit and she waits until her FRA for spousal benefit, does she get 50% of my early benefit or of my original PIA at my FRA?
Thanks again for all your sage advice I have been reading in this forum!

Hi,

What Options Would A Widow Have In This Scenario?

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Scenario - Married couple for 30 years. Jim is 66 and collects PIA of $2,500/mo. Jill is 62 and collects a reduced Spousal of ~$925/mo. Jim dies this year.
1) What options if any does Jill have? i.e. can she continue her spousal until she is 66 then switch to survivor and receive $2,500?
2) Would her options be any different if instead of collecting a $925 spousal she was collecting a $925 retirement benefit on her own record at 62?
Thanks for clarifying.

Hi,

Can I File For Spousal Benefits At Age 62 And Then Switch To My Own Benefits Later?

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hey, can I file for SS spousal benefits at age 62 ( I'm 61 now/dob 12/57) and then switch to my own SS benefits at a later date without penalty/reduction at wife's death or my full retirement age ?

Hi,

No. Since you were born after January 1 1954 you'll be deemed to be filing for both spousal benefits and for retirement benefits on your own record whenever you file for either one. So, if you file at age 62 you'll just receive essentially the higher of your own rate or your spousal rate, and your benefit rate will be reduced for age.