Spousal Benefits

Hello Mr. Larry,
Here is my background.

I have been married since 2003. Inb2016 he disappeared I honestly have no idea where he is or if he is alive. Right now due to a car accident and Dr mistake I am disabled and drawing SSD. He is 57 and my question I guess is what/when can I apply for spousal benefits. (I am 47) raising a 14yo and trying to do it all. I am so unsure of how this works and saw your post so I am hoping to get a little advice on what to do. Thank you for understanding this crazy situation. Nimmi

Hi Nimmi,

I have been collecting my own SS benefits since age 62 and now am 81. Can I now collect under my husband’s benefits because he earns approximately $42 monthly more than mine (he is also 81). He has also been collecting since age 62.

Hi,

I am 68 FRA and planning to claim SS in January 2020 and continue working. My spouse claimed his very low SS at 62. He is now 65. When can he claim SS switch to spousal? Does he need to wait until I am approved by SSA or can request switch the same time when I claim? How do I decline Medicare B not to be deducted from SS check having health benefits through my employer? Thanks.

Hi,

Hi Larry, my wife and I were born after the January 2, 1954 time line. My wife will be turning 62 in 11 months. I am the primary breadwinner and intend to wait until 70 to collect my highest benefit. I have been told that if my wife collects at 62 she will be unable to get the 50% of mine at a later date. Is this true? Your column indicates she could get the higher amount but my financial advisor doesn’t think so. I would love to have that cash flow for 8 years as we are the same age. Thanks Larry!

Hi,

My wife is two years older than me (she is 63 and I am 61) and has NOT worked the required 10 years to be eligible for her own SS. I am close to maxing out on my social security and I do not plan on taking benefits until I am 70. We have been married for more than 10 years (31 years as of today).

My wife has been on social security disability for approximately 10 years.She is turning 65 in March,I am 68 and collecting my benifits.Can my wife switch to spousal benifts when she turns 65?
It would be an increase of 220.00 a month.
Thank you

Hi,

I am currently drawing Social Security, my wife is still working as a teacher and will retire at the end of the school year. She will receive retirement payments from STRS (State Teacher Retirement System). She has paid about 10 quarters into Social Security, is she eligible to draw Social Security from my account? I have been told by Social Security that she can't but friends have told me that their wives, with similar situations do.

Hi,

Hi Larry. I currently collect my social security as I have reached FRA and I still work full time. My wife is semi retired and is 63. By the time she reaches her FRA and by me collecting now, what affect will this have on her at that time if any. I still plan on working for a least another year.

Hi,

My husband is 73 and still working. I am 70 and still working full time. I waited to collect SS until I was 67 and my Husband waited as well. Could I switch to or collect an excess spousal benefit as well as my SS or just collect a spousal benefit?

Hi,