Dear Larry,

My wife and I are both retired. She is 64 and I am 71 and have been collecting SS since age 64. She is not collecting SS. We plan on waiting until she is 70 for her to file. Can she claim spousal benefits now? Does she need to wait until her FRA of 66? Will this affect her retirement amount? My SS is approximately $2000. Hers will be more since we are waiting until 70.

Best, Steve

I applied for benefits in December of 2015. But I don't know what I would get, SSI/SSDI. I'm married, but been separated for 9 years. He lives in a different city then I do. And we have 2 children, whom one is grown and we have a 16 year old. She lives with me, I looked on the web. And from what it says, I'm eligible for both. What is my situation if we are still married, but live separate lives in different cities? I don't have no income, just waiting on my disability.

Hi,

My wife is 63 and I am 60. If my wife takes early social security and claims her own reduced benefit for the next 6 years, until I reach FRA, will she qualify for the 50% spousal benefit at that time? Does her spousal benefit get reduced by some amount if she claims her benefit before reaching FRA?

Dear Larry,

I am 67 and have deferred my social security (letting it increase until i'm 70). At 66 it would have been $2500/mo.

My wife turns 62 in Nov 2016. Her current projection at full retirement age is $2400/mo.

Is there any chance of either of us getting spousal benefits?

Thanks!

Hi,