Spousal Benefits

Do I Have To Be Deceased In Order For My Wife To Qualify For Child-In-Care Spousal Benefits?

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I am currently 61 years old with a 30 year old disabled from birth son and wife who turns 62 in Jan 2019. I will retire this June 2018. I turn 62 in August 2019 when I file for SS benefits starting Sept 1 2019 will my wife be able to file for child in care benefits ? I was told that that only applies when the husband is deceased. With a full retirement of $2796 and a family max of $4892 the SS office told me I would receive $2038 at age 62. My son would receive 50 % of my Full Retirement amount $1398 and my wife would receive 37.5% or $1048.

What Are The Rules For Filing A Restricted Application For Spousal Benefits?

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I turn 66 on November 1, 2018 and my wife turns 66 on December 17, 2018. We are both still working and intend to continue working until we reach 70. What is the procedure for filing a RESTRICTED APPLICATION for Spousal Benefits? If we are able to begin collecting some Social Security in December 2018 (or January 2019) it will greatly improve our financial picture as it will allow us to accelerate (and thereby eliminate) the remaining debt that we currently have, including finishing off our mortgage, by our 70th birthdays.

Hi,

Will My Wife Get 50% Of My Age 70 Rate Or 50% Of My FRA Rate?

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Hi Larry

I do not intend to file for social security until I am 70. My wife does not have enough points to receive any social security of her own. My question is, will my wife get 50% spousal benefit of my 70 benefit amount, or will she get 50% spousal benefits base on my FRA of 66 and two months. We are both 62, I am retired living off of a company pension, she has a part time job. We are aware she cannot draw benefits until I start drawing benefits.

Hi,

Is What My Kids Tell Me Correct?

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I am 83 years old and my second husband who I have been married to for 40 years is 90 years old. I started collecting social security at 62 and currently collect about $400 per month. My husband started collecting social security at 65 and collects about $2,600 per month. My kids tell me, after all these years, that am I entitled to spousal benefits where I can collect 50% of my husband's social security benefits and when he dies 100% of his benefits. Is this correct?

Hi,

Is It Too Late For My Sister-In-Law To Apply For Spousal Benefits?

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Hello Larry. Thanks for your wisdom. I’m asking this question for my brother-in-law and sister-in-law. He was born in April and she in November 1951. Knowing nothing about spousal benefits she began drawing on her own Social Security record when she was 62. He did not file until he was at full retirement age this past year. Is it too late for my sister in law to begin drawing spousal benefits on his record he was the higher earner. Thank you.

Hi,

Why Would The Fact That My Sister's Husband Took His Benefits At Age 62 Affect Her Eligibility For Spousal Benefits?

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I am asking this question for my sister, who is 74. She has never collected Spousal Social Security benefits, although she and her husband have been married for 50 years. Her husband, who earned more than she did, began taking his Social Security at age 62. She has been told that she is not eligible because he started collecting so early?? I thought you just collect less if you opt to start early. Why should that impact her Spousal Social Security??
She desperately needs the money, so I thank you for your guidance! Lisa

Hi Lisa,

Can I File For Spousal Benefits Now And Switch To Widow's Benefits Later?

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Because I worked for and retired from the state, I did not ever contribute enough quarters to Social Security to qualify for my own entitlement. My husband, however, has worked and paid into Social Security since he was 15 (he is now 64, almost 65). He does not intend to file for Social Security until age 70. I am aware of the GPO/WEA, which will severely reduce any benefit I would receive from his record (because of my pension) but it would not eliminate it.