Ask Larry

Spousal Benefits

Is There A Downside To My Husband Applying For Spousal Benefits?

Larry, thank you for taking my question. My husband is currently 69 years old and collecting full social security benefits. I am 63 years old and will continue to work until full retirement age 66.8 years. Is there a downside to my husband applying for social security spousal benefits? Will this in any way affect my applying for social security benefits when I reach full retirement age? Thank you, Tina

Wednesday, May 12, 2021 - 09:02

How Will My Wife's Benefits Be Adjusted If She Files For Reduced Benefits And Some Of Her Benefits Are WIthheld?

If my spouse elects to collect Social Security at 62 on her own work record but continues to work creating a holdback from SS payments over $19k earnings, and then when I retire at 67, she collects 50% of my SS payments (she will be 68 at that time). I understand that normally her early retirement penalty will be adjusted by the amount of months held back by SS, how will her monthly payment be adjusted to recover the held back payments if her monthly payments and my spousal top off payment cant exceed 50% of my SS monthly payment?

Tuesday, May 11, 2021 - 15:21

If I Die, Can My Wife Continue To Draw Spousal Benefits And Wait Until Her FRA To File For Survivor Benefits?

Hi Larry,

If my wife is collecting a Spousal Benefit on my record, & I die, can she continue receiving her Spousal Benefit & wait to apply for her Survivor Benefit until she reaches her Survivor FRA, to maximize her benefit?

Thank you

Tuesday, May 11, 2021 - 15:01

What Benefits Can The Gal I'm Living Receive?

I’ve been living with the same gal for over 10 years. She doesn’t think she has enough quarters for social security. I have and have been collecting SSDI For 3years which will switch to Social Security when I’m 66 and 2 months. Nobody else has a claim to my Social Security and I assumed she would be eligible for 1/2 my $2750 if nothing else. Please advise

Sunday, May 9, 2021 - 15:15

Which PIAs Are Used To Calculate Spousal Benefits?

Is the PIA that is used for each spouse in computing whether a 50% spousal benefit is greater than the lower spouse's own benefit set once or is it indexed for when the relative computation is made? For example, lower paid spouse begins taking SS benefits based upon their own work history at age 63 1/2. Higher paid spouse is 2 years older and wants to delay taking their SS benefits until lower paid spouse reaches their FRA of 66 and 4 months so as to maximize the spousal benefit, since it will be larger than lower paid spouse's own benefit at that point.

Wednesday, May 5, 2021 - 09:39

Is My Sister Eligible To Receive Child In Care Benefits?

I am asking for my sister. She is 66 years old, married, her husband is 67, retired and starting taking SS benefits at 62. They have a 32 year old daughter who is disabled with diabetes living at home with them. The daughter is receiving SS disability benefits. My sister works full time at a daycare. Is my sister eligible to receive child-in-care spousal benefits? If so, would receiving them reduce her retirement benefits? Would her work income reduce the child-in-care benefits?
Thank you.

Wednesday, April 28, 2021 - 12:47

Is There Any Way To Receive Social Security Benefits From My Husband's Social Security Before I Reach Age 62?

I am 50 & have been on SSI since 1996. Married 25 years and separated for the last two. I am wondering if there is any way to receive benefits from his Social Security before I turn 62? SSI is designed to keep you poor and multiple times I've been charged overpayments I didn't/don't owe. I'm going through it again currently. MY husband is 55 and working still.

Tuesday, April 27, 2021 - 14:40

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
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