Spousal Benefits

When Can I Start Collecting Spousal Benefits?

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Hi , I retired at age 62 I am turning 66 next month , i divorced & then remarried oct of 2016 my husband is 58 when can i start collecting his ss

Hi,

Your husband must be drawing either Social Security retirement or disability benefits in order for you to be potentially eligible for spousal benefits on his record (https://www.ssa.gov/planners/retire/applying6.html).

Best, Jerry

Can My Brother-In-Law's Wife For Spousal Benefits?

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My brother-in-law is 73 and his wife of over 40 years is 71. She is currently getting less than half of her husbands social security based on her social security earnings. Can she still apply for the spousal benefit and either get a) 50% of her husbands social security or b) the difference between her social security and 50% of her husbands social security? If not, then why not?

Hi,

Can A Wife Receive Spousal Benefits While Her Own Benefits Are In Suspense?

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At age 62 the wife (full PIA at 66) starting receiving her worker’s benefit. At age 66 (full PIA age) the husband filed, suspended, and starting receiving spousal benefit on the wife’s earnings record (smaller earnings than husband). In the same month, we suspended the wife’s worker’s benefit. These events occurred before the change in the law in April 2016. Now before either of us turn age 70, can the wife start receiving spousal benefit on the husband’s earnings record and allow the wife’s suspended worker’s benefit to continue to grow at 8% per year?

Can My Wife Get Spousal Benefits If She Took Reduced Benefits On Her Own Record?

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My wife is older than I am by 7 months. She started receiving SS retirement benefits when she was 62. I am now at full retirement age (in 3 months). Her current benefits are way less than my estimated benefits, in fact less than half. Can she now get spousal benefits based on my earnings record? Will there be some reduction because she already has been getting benefits on her own work record?

Hi,

Can My Wife Get A Spousal Benefit?

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My wife only worked 11 years , started drawing at 62 (9/2012 ) , receives $418 after medicare deduction . My ss is $1829 after medicare deductions ( 11/2012 ) . Can she get spousal benefit ?

Hi,

It sure appears as though she'd be eligible for an excess spousal benefit from your record. Her excess spousal benefit would be calculated by subtracting her full retirement age rate (PIA) from 50% of your full retirement age rate. That excess could then be paid in addition to the reduced retirement rate she currently receives.

How Much Will My Wife Receive As My Spouse?

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If I am receiving $2000 from SS currently, and my wife begins to receive spousal benefits at age 62 (she is not eligible for her own benefits), how much will she receive? If she starts receiving this at age 62, and then I die, how much will she receive for Survivor benefits?

Hi,

If your wife starts drawing reduced spousal benefits at age 62, she'll get between 65% to 70% of one-half of your full retirement age benefit rate (PIA). So, if your PIA is $2000, she'd get between $650 & $700 per month, depending on her year of birth.

Would I Qualify For Higher Benefits On My New Spouse's Record If I Remarry?

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If I remarry after the age of 67 am I eligible for SS benefits based on my 2nd spouses benefit(s) or earnings which are higher than benefits based on my former spouse's earnings.

Hi,

Potentially, yes (https://www.ssa.gov/planners/retire/applying6.html). However, unless you are already drawing benefits on a former spouse's record, you would not be eligible for spousal benefits on your new spouse's record until you have been married for 1 year.

Best, Jerry

Can My Wife Get Half Of My Benefit Amount When I File?

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Howdy, I purchased MMSS program and used it to make my decisions. My wife took her ss at 62. At 66, I filed a restricted application and applied for half of my wife's ss. I plan to apply for my ss at 68 (next year, did not want to wait until 70). Can my spouse then apply for ss based on my work hx and receive half? I assume as a widow she would be able to apply for my full benefit.
thanks,
George

Hi George,