Spousal Benefits

How Much Will I Get When I File For Spousal Benefits?

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Hi, I have 2 questions............. I will be 66 in Aug., 2017 and am considering filing a restricted application for spousal benefits. I understand that the spousal benefit is 50% of my husband's PIA, but how do I find out what his PIA is? Will SSA give me an estimate prior to applying? My husband began collecting his benefits at age 62 in 2012 so do I figure out what his PIA is based on the fact that his benefit when he first began receiving is 75% of his PIA?

Does Social Security Owe Me Money?

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I would like to know if SS owes me any back money and I will tell you why I believe that this is so. When My husband started to draw his SS and I was making about 500.00 I was told that I would get 50% of his. Well they took my money that I was getting and only paid me the 50% of his which is a 1000.00, so I really should be also getting my SS that I was getting. I know that they play all kinds of games, but that is not right. They basically have shorted me what I was originally receiving. If this is accurate, then how do I get the money that is owed to me.

When Would My Wife Become Eligible For Spousal Benefits?

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MY wife is 65 and does not qualify on her own for SSA. I will turn 62 in May. Can my wife collect spousal benefits on my record and does she have to wait until I reach full retirement age?

Hi,

Your wife can't get spousal benefits until you start receiving your benefits, but she can start drawing as soon as you do, even if you take you take reduced benefits prior to your full retirement age.

You may want to consider running the maximization software available on this website in order to determine your best filing strategy.

Best, Jerry

Should Spousal Benefits Be Suspended If The Worker's Benefits Are Suspended?

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We had a client file for her regular benefits at 62 and her spouse file a restricted application at 66, his FRA. Since she has now increased her regular earned income her benefit is being deferred, but now SSI is also deferring his spousal benefit. Is this correct or should we advise them to move their case up the chain of command? We believe he should be entitled to his spousal benefit no matter what happens to her benefit.

Hi,

Can My Husband Have His Spousal Benefits Directly Deposited To My Checking Account?

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I am starting SS. My husband is going to draw spousal benefits. My question- we are doing direct deposit. Can we have it deposited back to my checking account? Or does it have to deposit in his checking account since he is the one filing for spousal benefits. We have separate checking accounts...thank you..

Hi,

Unless I'm mistaken, your husband must be listed as the owner or joint owner of the account to which he has his Social Security payments directly deposited.

Best, Jerry

Will My Mother Receive A Full 50% Of My Father's Benefit Amount When He Files?

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My mom filed early for her Social Security benefits at age 62. She receives a very low amount based on her record. My father plans to wait until full retirement age to file for his benefits. He will be entitled to a much higher benefit based upon his work record. When he does file, will my mom's benefit then be stepped up to the full 50% spousal benefit or will she be penalized for claiming her own benefits early? What can my mom expect to receive? Thank you!

Hi,

How Will My Wife's Spousal Benefits Be Calculated?

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Dear Larry:
Two questions: I'm still working at 66 and don't yet draw SS benefits, and my wife is also 66 but began her benefits at age 62. Question: When I finally retire and file for my benefits at 68 (my target) and my wife files for spousal support, is it true because she began at 62 that she's only entitled to “receive” 35% of what would be the normal 50% spousal value based on my benefit amount? Or, is that 50% amount “reduced” by 35%? Both conditions offer very different math outcomes, but I'm getting conflicting info from SSA and other online articles.

How Much Will My Wife Receive On My Record?

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i am 68 and on ssa retirement i was on disability my wife who does not have enough credits on her own account has been disabled longer than me when i first became disabled i had employer disability which they said disqualified her from spousal benefit she is now 62 if she takes her spousal benefit now at a reduced rate and i die when she is 64 would her survivor benefit be at a reduced 62 or 64 rate also could she collect as a disabled spouse on my record and have her reduced survivor benefit at fra no longer be reduced thank for your time

Hi,