At full retirement age (“FRA”) my wife will start receiving her SS benefits based on her records of $628 per month. DOB is June 24, 1955; FRA is 66 years + 2 months or August 24, 2021.
I will not start receiving my SS benefits until age 70 (currently shown as $4,074 per month). The amount currently shown for my benefits at FRA (66) is $3,263. My DOB is March 5, 1954.
Hi Larry,
First of all we wish you a Merry X'Mas and Happy, Healthy, Peaceful and SAFE 2021.Myself (now 73+) : Retired / Already receiving full SS started at 70 years (from Nov 2017)
Spouse (now 65+): Never worked. When we went to SSA (wife was 62+ at that time, we were told my wife is eligible to start the SSA payments. Started receiving reduced amounts from Nov 2017.
We were not aware of the repercussions related to getting 50% of husband's SSA payments when she reaches FRA (i.e.66 years + 2 months).
Hi Larry,
Is spousal benefit still available? I will be 65 buy 2021, planning to claim social security by 70 (2026), can I claim spousal benefit of my wife (64 by 2021) without filing for my own social security benefit? Thank you.
Hi,
For two spouses older than 70, is there any penalty for a retroactive spousal claim for the wife when the husband has been collecting for more than a year? I read that the spousal benefit can be reduced under certain circumstances for a retroactive claim, but don't know if that's applicable in this case.
Hi,
My spouse and I were both born in 1948. She started her social security benefits at age 62 after she retired. I am Over seventy and started taking my full benefits at 70, although I am still working part time. I took your advice and filed for 1/2 of her benefit amount when I turned 66, which was my full retirement age and did not switch to my own benefits until age 70. My question is this:
Can my spouse now now claim the difference between her benefits and 1/2 of my benefits which is several hundred dollars a month?
Hi,
My wife was born in 1952, and I was born in 1955. My wife has been collecting Social Security benefits on her own record since she turned 66 (FRA) 2 years ago. I will be turning 66 years and 2 months (FRA) soon, and just applied for my social security benefits, which are considerably higher than my wife's.
Does my wife have to file some kind of application to collect based on spousal benefit, or will Social Security automatically adjust her payment to the higher amount when I start to receive my payments? Thanks.
Hi,
My 86 year old mother elected to collect social security at age 62. My fathers social security check is significantly larger than hers so I suggested she look into claiming 50% spousal benefit based on his check amount. She said social security told her when she elected to receive her own benefit at age 62 she eliminated the option to collect a spousal benefit. Is this correct?
Hi,
I will turn 66 Jan 13 2020. My wife is disabled and collecting her social security. I am working. I thought I might take my social security March 1 if I understand correctly to get my full amount. I am trying to pay my house down to do a reverse mortgage. My wife gets $1346, I will get $2010. Reading some of your stories I was wondering can my wife claim my social security and how does it work? I wouldn't claim until later then to get a higher amount, I plan to work until I am 68 to 70.
Hi,
Hi Larry, I was informed by a friend that her spouse the higher Earner is filing for social security disability at 63, and that she will be filing for her full spousal benefits at 62. She was told by her adviser that she would get the full half of her spouse PIA? I told her that she would be penalized for filling before her FRA, and she stated that because her spouse is getting a disability benefit that she would be entitled to half his PIA if she filled at 62. Please advise if this is correct so I can clarify this before she files. Thank you for your time.
My ex and I were married at age 63. She took spouse social security off my record at her full retirement age. We have since divorced. Wee were married 7 years. Is she still entitled to my benefit. Should I report this to social security.?
Hi,