Spousal Benefits

Will I Be Eligible For Spousal Benefits When My Wife Files For Her Benefits?

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I have been a homemaker for over 20 years, so my SS benefit is significantly less than that of my wife, our primary breadwinner. If I file for my benefit at age 62, will I then be eligible for a spousal benefit when my wife files at age 70 (I will then be about 67 1/2)? Half of her Full Retirement Benefit is approximately equal to my age 70 benefit.

Hi,

How Will My Spousal Benefit Rate Be Calculated?

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I was born 12-8-1953. I will be able to file a restricted application when I reach my FRA on my husband's benefit. He started his benefits at age 62. Will my spousal be figured on his reduced amount and at what percent or on what would have been his FRA benefit? I have read conflicting statements.

Hi,

If you file just for spousal benefits only effective with the month that you reach full retirement age (FRA), you will receive 50% of your husband's full unreduced retirement age rate (PIA) regardless of at what age he started drawing his benefits.

Will I Be Eligible For A Spousal Benefit If My Son Receives Disability On My Husband's Record?

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Hi. My husband is waiting until his full retirement age before applying, but I have a question. We have an adult disabled child who was deemed disabled before age 22. I have not worked since my son was born and have cared for him full time. I understand he will be eligible for SSDI when my husband retires, but will I also be eligible for a sposal benefit? Also if we are able to receive both SSDI and a sposal benefit, what is the maximum benefit allowed? I ask because this will unfortunately be our only income. My husbands estimated SS at full retirement is $1,850.00.

Can My Wife Start Claiming Her Share Of My Social Security Before I Retire?

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I am 57 years old and do not plan to retire until I am 65. However, my wife is going to be 65 this year. She has been a homemaker throughout all of our marriage and his essentially gained no income of her own during our marriage. She is also a permanent resident alien. My question is this: can she and when can my wife start claiming her share of my Social Security? Can she claim that share while I am still working and until I retire? What would be the impact on my Social Security payments when I do reach 65 and retire?

Did Social Security Compute My Spousal Benefit Rate Correctly?

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Hi, I just claim my spousal SS benefits and I believe I am not getting the amount of money I should. My personal SS benefits now is $781 and my husband’s SS benefits $2005. I claimed my spousal SS benefits 8 months before full retirement age (66) and according to SS benefits website I should receive 47.22% of my husband primary insurance amount. I was told by the SS benefits agent that I will get added $78 at my own SS benefits. Is this correct ? Thank you in advance for your reply.

Hi,

What Is The Right Answer?

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Hi

I am 67 and applied for and suspended my SS benefit before the April 2016 deadline. My wife turned 64 in November 2017 and applied for her SS benefits based on her own work record. At the same time, I applied for spousal benefits on her work record which a SS employee at the face-to-face, local office said that I could do. After a long delay, I received a letter saying that my application was denied because I could receive greater benefits by applying for my own benefits.

Does My Wife Have To Switch To Spousal Benefits When I File, Or Can She Wait Until Her Full Retirement Age?

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My wife is almost 3 years older than myself (I am then larger wage earner) and started collecting her SS benefits (reduced) at age 62. I plan to retire in a few more years when I am 62 1/2. Does my wife have to do the switch to take the spousal benefit then when I file for SS benefits (she will be 65 and 4 months) or can we wait 8 more months after I retire and am already collecting my benefits to when she turns 66 to do the switch over?

Hi,

Is It True That My Wife In Japan Can Receive Spousal Benefits From My Record?

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Forgive my typing not very good at it
Is it true that wife can receive up to 50 percent of my Social Security benefits? Is this available even if my wife has never worked. She is in November 68 years old.
Also she is Japanese national living right now at Japan due to a very bad knee pain …she is in the Japan health plan …..gone already long time huhuh ( tears ) I myself am this august 79 years old. We have been married for in October for 6 years ( been together for over 25 years.)
I am on social security which is my only income….

Hi,

Which Of These Calculation Methods Is Correct?

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Larry, thank you for this website. In my internet research, I find conflicting answers to the following scenario:

My wife and I will both turn 62 this year. Her PIA is less than half of mine. Her PIA is $930. My PIA is $2,800. If we both wait until age 70 to begin drawing benefits, her regular benefit will be approximately $1,200 due to the DRC. How would her spousal benefit be calculated at that time?