Spousal Benefits

Can I File For Spousal Benefits While My Own Benefit Is In Suspense?

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Larry,
I'm 67 years old and still working. I plan to retire soon but want to defer taking my SS retirement benefit until age 70 to get the increased benefit amount over the 4 year deferral period. My wife is 62 and recently was put on long term disability by her employer; her application for Social Security disability is in the process of being filed, and we anticipate it will be approved. This past April in order to protect any rights my wife may have to restrict her application, I filed an application with SS and then immediately suspended it (file and suspend).

Should I Collect Early So My Spouse Can Collect a Full Spousal Benefit?

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Dear Larry,

My husband was born June 22, 1951 and plans to work until 70, though he will cut down to part time hours next summer. I was born January 1, 1953 and lost my job three years ago. Presently, SS reports state he will collect $3571.00 at 70 and has a maximum family benefit of $4641.00. My amount has dropped to $1780.00 at 70 from $2421.00 when I stopped working.

Why Can't My Husband Collect A Spousal Benefit?

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Dear Larry,

I like your software. Two things I noticed in the output were different than from the results I tried to produce in a spreadsheet:

1. My son was born 1/2001. If we start my husband's Social Security this year, my son will get child SS till he graduates from high school 6/2019 or he start college 9/2019. the report I got had Andrew's collect 0 for 2019

Can My Wife Get Spousal Benefits After Filing For Her Own Benefit?

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My wife is 62 and has low earnings and will apply for social security on her own record and receive 727 per month.
I am 59 and will wait until age 70 to take my full benefit, can she take spousal benefits after I turn mine on at age 70?
Thanks

Hi,

Potentially, yes. She could get an excess spousal benefit on your record when you apply, but only if 1/2 of your full retirement age benefit amount (PIA) is higher than her own PIA. Here's an example:

When I File For My Retirement Benefit, Can My Wife Collect A Spousal Benefit?

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Hi Presidential Candidate,

Got a quick question for you that I think I know the answer but I want to confirm. My wife is five years older than me. If she filed for her own SS at her FRA, can she switch to spousal benefit when I apply at either 66/10 or 70? I think congress might have closed this "loophole" but there are only about five million rules, I could be wrong.

Thank you

When Should I Take My Spousal Benefit?

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Dear Larry,

My husband took early social security benefits at age 63 in 2007. I will be 62 in 2017 and we have been married for more than 30 years. I believe I cannot take a spousal benefit and suspend mine. I have worked enough quarters to qualify for my own benefits. He was always the higher income earner in our family. I need help trying to figure out which would be the greater amount; mine or spousal?

Thanks, Victoria

Dear Victoria,

Can My Friend Receive Additional Benefits From Her Husband's Record?

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Hi Larry-
I am submitting this question for a friend who will be 67 in October. She started drawing Social Security early when she turned 62. At that time her husband was 65 and was receiving disability benefits, transitioning to Social Security when he turned 66. Now she is wondering if there is any way to increase her benefit by filing for excess spousal benefits or does she even qualify? Thank you for your help.

Hi,