Spousal Benefits

Do I Qualify For Spousal Benefits?

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Hi Larry, i am 62 and i am receiving SS now. My husband is 59 and he is receiving SSDI do i qualify for spousal disability benefits on his account

Hi,

Possibly, but you could only qualify for spousal benefits if 50% of your husband's full Social Security disability (SSDI) benefit rate, which is equal to his primary insurance amount (PIA), is higher than your PIA. Your PIA is equal to the amount that your Social Security retirement benefit would be if you had waited until your full retirement age (FRA) to start drawing.

Did Social Security Make An Error In Calculating My Wife's Rate, Or Am I Misinformed?

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I started receiving SS when I turned 70. My current monthly benefit, without deductions, is $3425.50. My wife and I decided she would file at age 62 rather that waiting until her FRA which is 66 years 6 months. Had she waited until her FRA to file, her benefit would have been $1226 ,based on her work record.

When she filed last month the SSA office calculated her benefit as $894.10 on her work record and $48.50 as a wife. For a total of $942. Which she will start receiving in October.

I thought a spousal benefit would be 32.5% of my benefit, $1113.

Can My Wife Claim Benefits On My Account?

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I began my benefits at age 62. I am 64 now. I do not work. My wife with whom I do not live has turned 62; she still is working. Can she claim benefits on my account? If so, does that reduce my benefit?

Hi,

Your wife could apply for spousal benefits on your record, but she'd only qualify for spousal benefits if 50% of your primary insurance amount (PIA) is more than twice as much as her own PIA. A person's PIA, by the way, is equal to their Social Security retirement benefit rate if they start drawing their benefits at full retirement age (FRA).

Is It Correct That My Wife Will Be Eligible For Half Of My Full Rate Even If I Retire Early?

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Hi Larry,

I have been reading all your responses to various questions but none never seem to match my situations., so here goes. I am 61 years old and my wife is 64. My wife retired when she turned 62 and started to collect her social security and pension. I am planning to retire when my wife reaches her full retirement age which I believe is 66 and 2 months. We chose this because if I understand the rules at that point she would be eligible for one half of my full retirement benefit regardless of the fact that I am retiring early, Do I have this correct?

Will My Divorce Affect My Drawing On My Husband's SS?

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Hi Larry! I've looked everywhere for the answer to this question (Including the SS website) and have never seen it asked/answered. I waited until I was 66 (my full age for SS) before filing for half of my husband's SS. I am letting mine accrue until I am 70 and will then file for my own. In the meantime we are getting a divorce. I will have been receiving his for about two years when the divorce is final. Will the divorce affect my drawing his SS right on until I file for mine a 70? I so appreciate your help!

Hi,

Will My WIfe's Spousal Benefits Affect My Wages?

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I will be 70 on 06/12/2020, but work till the end of 2020 an retire. My wife will be 64 in 2020 she will retire in july 2020. She will draw off of my social security an recieve half of what i get. Will this affect my wages for 2020.

Hi,

If your wife receives spousal benefits from your Social Security record it won't have any affect on your benefit rate or any wages that you earn. It may have an impact on your taxes, but that's not my area of expertise.

Is My Wife Entitled To Any Benefits From My Record?

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I am a disabled veteran drawing SSBI since 2006. I'm now 62. How does this effect my wife, shes 64, working, not drawing social security. Is she entitled to any of mine?

Hi,

I'm assuming that SSBI is a typo and you meant to say that you're receiving Social Security disability (SSDI) benefits. In that case your wife could potentially qualify for spousal benefits from your record, but only if 50% of your primary insurance amount (PIA) is higher than your wife's own PIA. SSDI benefits are normally paid at 100% of a person's PIA, by the way.