Ask Larry

Spousal Benefits

Can You Explain Why My Claim For Spousal Benefits Was Denied?

Hi -I was denied spousal benefits and am not sure why. Firstly my spouse has been collecting SS since 3 plus years. Secondly we have been married 38 plus years and I sent my original document of proof, to them also. Thirdly I meet the min. age requirement as I was born 07/1955.
I applied at my full retirement age of 66 and 2 months.
I am a dual citizen of Canada and U.S.A and we have lived here since 1994 working and paying our taxes faithfully.

Friday, September 17, 2021 - 13:48

Can My Husband Apply For Spousal Benefits From My Account?

I am 42 and my husband is 69. He started receiving SSI before age 62 due to disability. When he turned 62 he was required to file for early retirement. He did not have enough credit because he was self employed. We have been married for 9 1/2 years. Can he apply for spousal benefits (because I have enough credits) if I am not at the age of entitlement?

Saturday, September 11, 2021 - 14:18

What Will My Wife Receive When I Start Drawing My Benefits?

My wife of 25 years was born March 15, 1955. She began drawing benefits at FRA of $1150 per month. I was born 11/15/1955. My estimated benefits at full retirement are $2920. I do not intend to take my benefits until I am 70. My estimated benefits at 70 are $3820.

I am attempting to understand my wife’s spousal benefits. I understand my wife’s spousal benefits would be
half of $2920 or $1460. How does this work. When I draw at 70 will my wife be entitled to only $1460 or will she also be able to benefit from 4 plus years of COLA’s ( presuming COLA’s occurr)

Monday, September 6, 2021 - 08:54

Can You Confirm That My Wife Will Be Allowed To Collect Half Of What I Receive?

My wife took early social security at reduced rate age 64. Her birth date ie 7/16/1953. I plan to retire this December at 66 and 2 months my full retirement date(10/20/55. I have been told by SS that my wife due to her birth date will be allowed to collect on my SS at 1/2 what I received
Which will be a tremendous increase. Can you confirm this and explain why .
Thank You

Thursday, September 2, 2021 - 09:57

Is It True That I Can Apply For Spousal Benefits At Any Age If I'm Caring For A Disabled Child?

I have started the process to apply for Spousal Social Security. I will be 62 in November. I've read that if I'm caring for a disabled child I can apply at any age. Is that correct? I'm being told now that my benefits will be reduced and probably eliminated because of my provincial pension I receive here in Canada. Just looking for some clarification. Thanks

Monday, August 16, 2021 - 13:18

Can I Draw From My Husband's Social Security When I Reach Retirement Age?

If I am 19 years older than my husband he is 31 and I am 50 at this time when I reach the age to draw social security can I draw from my husbands social security??

Another question is …..
If I was married over 8 years and I bear a child with my ex husband and that child is now 29 can I draw from his social security ??

Sunday, August 1, 2021 - 12:16
MaxiFi software running on a laptop
Get What's Yours!
Discover tens of thousands in extra retirement dollars with Maximize My Social Security software!
  • Find your maximized strategy
  • Unlimited what-ifs
  • Step-by-Step filing instructions
  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

Getting Started is Easy
Web-based software. Works on ALL browsers. No download.
$40 Annual Household License
$299 Annual Financial Advisor License