Ask Larry

Spousal Benefits

If I File At Age 62 Will My Spouse Qualify For An Additional Spousal Benefit?

Hi Larry: If I file early at 62 will my spouse qualify for an additional spousal benefit? Her current benefit (based upon the WEP) is less than 50% of my projected benefit.

Hi. Your wife could only qualify for spousal benefits in addition to her own benefits if your primary insurance amount (PIA) is more than twice as much as her PIA. A person's PIA is equal to their Social Security retirement benefit rate if they start drawing their benefits at full retirement age (FRA).

Monday, April 12, 2021 - 10:15

Am I Understanding The Spousal Benefit Correctly?

Hi - am I understanding the spousal benefit correctly? There's so much conflicting information.

My husband and I are both 67, and reached full retirement age in 2020. He is the higher earner, and will delay filing for Social Security until age 70. Based on the 2020 FRA maximum, I'm eligible for a spousal benefit of $1505.50. This will breakdown into my own PI of $1000, plus a spousal top up of $505.50.

Tuesday, April 6, 2021 - 13:19

Do I Qualify For Any Benefits?

Hi Larry, My husband is getting his SSDI. He got hurt and is 100% disabled. I will be 50 in August 2021, he will be 49 in July. Are there any benifets or income that I qualify for. We have been married 25 years this past December.

Hi. The only way that you could be eligible for benefits on your husband's Social Security record now is if you have a child in your care who's under age 16 or disabled and who qualifies for child benefits. Otherwise, you would need to be at least age 62 to be able to qualify for spousal benefits.

Best, Jerry

Tuesday, April 6, 2021 - 06:10

When Can I Get Spousal Benefits?

Hi Larry...My name is Michelle...over the years I've heard reveal different rules about spousal benefits...1). That you can claim at 62..2) if spouse passes on..3). After 10 years of marriage...may will be 12 years..he moved out in January 2021..ive been on Sri since not asking to get back at him or anything.(.i love him)..i just need help!!..thank you Larry

Monday, March 29, 2021 - 10:12

Is There Any Way For My Wife To Get A Back Payment For What Social Security Should Have Paid Her?

I am age 85. I have been receiving about $30,000 per year in social security for the past 20 years. My wife is age 81. She has been receiving about $7000 per year in social security for the past 16 years. I understand that she should have been receiving 50% of my annual payment based on the spouse's benefit. Is there any way that she can obtain a back payment for some or substantially all of what Social Security should have paid her? If so, what should she do?

Thursday, March 25, 2021 - 16:55

Can My Wife Wait To Apply For Spousal Benefits?

I’m confused about spousal benefits. My wife began receiving SS in Feb 2021 at age 62 1/2. I will begin my benefits in April at age 65 1/2. My wife received a letter to apply for spousal benefits. If she takes it does this still allow her to get more of my benefits if I die before her? I just don’t understand the theory behind spousal benefits? Are we able to wait until she’s say 64 to apply for spousal benefits? If she apply snow and the difference is not enough to matter does that application stay active u til it does matter?

Saturday, March 20, 2021 - 08:26

Will My Friend's Spousal Benefit Rate Be Based On Her Age Or Her Husband's Age?

Asking for a friend who is turning 62 next month, her spouse is 87 and receiving SS benefits. She started working late in their marriage after looking after the family, so her personal benefit will be small if she chooses to start collecting it next month. However, her spousal benefit, if claimed next month, will exceed her personal benefit. Her work income now is fairly high ($100,000+), which will boost the last 10 years of her benefits calculation, if she waits to collect. His current health is tenuous.

Friday, March 19, 2021 - 09:47
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