Spousal Benefits

Can My Wife File For Reduced Retirement And Then Switch To My Record At FRA?

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My wife and I are both age 62. I would like to keep working until full retirement age (66). We have been married since 1973. Can she start taking her SS at 62 (early) for $574/mo, and then switch to her spousal benefit when I turn 66, as long as I start taking my full retirement benefit? ($2623/mo). Thank you

Hi,

No, your wife couldn't switch to your record. If she starts drawing retirement benefits before full retirement age (FRA), her benefit rate will be reduced and she will be stuck with that reduction for as long as both of you are living.

Would My New Wife Be Able To Receive Benefits On My Record?

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I am 73, presently drawing SS. My wife died late in 2014. I am considering a marriage with a foreign national.
1. If we do become husband and wife, and I predecease her, will she be entitled to my SS benefits? (Monthly benefit;, medical benefits, as a dependent?)
a. If yes, under what conditions?
b. Is there a time period prior to her being able to receive benefits?

Hi,

Does My Spouse Have To Be Receiving Benefits In Order For Me To Get Spousal Benefits?

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I am born in April 1951 and my husband in January 1952. We are both still working full time. Should either one of us apply for spousal benefits? Does it depend who is the higher earning spouse? If I apply for spousal benefits (I am 66 and have earned less than my spouse) does my spouse have to have applied and be receiving social security benefits?

Hi,

Yes, your husband would have to be drawing his retirement benefits in order for you to get spousal benefits on his record, or vice versa.

Can My Mother Still Apply For Spousal Benefits?

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My parents are in their 80's. My mom did not work while we kids were living at home. After the youngest left for college, she worked for 10+ years at relatively low-paying clerical jobs. I assumed she has been drawing a SS spousal benefit, since my dad's SS is significantly higher than hers. She just mentioned that she has only been getting SS based on her own earnings, because they are under the impression that if she takes a spousal benefit, it would reduce the amount my dad receives, and/or the amount that she would receive if he dies first.

How Much Would My Wife Receive?

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Larry,
Thanks for answering my general question. To help me get a better understanding, I would like to use actual numbers. My wife is 66 and has been receiving her own benefit since age 63. Her reduced benefit is $585 and her full PIA is $726. I am 62 and my reduced benefit would be $2175 and full PIA of $2775. Using these numbers how would I calculate my wife's excess spousal benefit if I filed right now?
Thanks for the help with the math.

Hi,

Can You Help Me With My Calculations?

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Larry,
My is 66(9/13/50) and is receiving her own SS, which she began taking at 63. I am 62(12/11/54), not receiving any SS. I am trying to determine when to apply to for my SS to max mine and her spousal benefits total dollars over the long haul Will ur program help with this or does someone know the equation used by SS to calculate excess spousal benefits for my wife. I know my full PIA as well as my wife's full PIA.
Can u help me with this calculation?
Thanks

Hi,

Is There Any Way For Me To Increase My Benefit Rate?

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I have been reading all of your questions and answers about SS benefits, and I decided to ask you one of my own, because I can't find a similar questions. I am 78 and started collecting SS when I was 62. My husband is 68 and he, also, started collecting when he was 62. We own a business (both still working), but it took a drastic downturn several years ago, and taking SS early helped us through this situation. We are both in excellent health and plan to continue working for at least 2 more years.