Spousal Benefits

Can I Receive Spousal Benefits At Age 62?

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My wife is 66 collecting social security I'm 61. AT 62 can I collect on any of hers or do I need to file my own at 62.

Hi,

Whenever you filed for spousal benefits, you would be deemed to also be applying for benefits on your own record. So, the only way that you will receive any spousal benefits is if your wife's full retirement age benefit rate is more than twice as much as your own. And if you start benefits at age 62, your benefit rate will be reduced by more than 25% from your full retirement age rate.

Best, Jerry

Can I Receive Spousal Benefits Before Age 62 If I Have A Child In Care?

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I am 60 years old and my husband is 81 and is receiving SS. 6 years ago we adopted our grandson whose mother passed away. His fathers parental rights were taken away by the courts. Our adopted son is receiving SS benefits from my husband. I have heard that I am also eligible for child - in - care benefits as our adopted son is 9 years old. When I called SS they said child in care is for a deceased parent. That is not my understanding. Please comment. I assume also that I would not be eligible if I was still working. Correct? Thanks much

Hi,

If I Remarry, When Will I Become Eligible For Spousal Benefits?

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I am currently receiving divorced spouse benefits on my ex husband's account. I do not qualify for benefits on my own SSA record. I am planning to remarry. When I do, is there a one year waiting period before I can receive benefits on my new husband's account? (He is FRA and receiving benefits) . For the one year period do I also have to pay my own Medicare premiums?

Hi,

Is There Any Way That I Can Get More Than 6 Months Of Back Pay?

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My husband retired and took early social security at age 62 in Nov of 2006...He was a county prosecutor for Washington County, Utah from 1983-Nov 2006. I closed my small Ballet school business in Jan . 2007 and filled for disability that spring .. I had to hire a disability attorney to get my disability
( diagnosis( cyclothymia/mild bipolar ) ...I was 58 in Dec. of 2006.

When I finally got my disability approved .....I believe it was in the summer of 2007. The miniscule amount that I got (around $650 )I figured was due to the facts that:

Can My Husband Draw Spousal Benefits Instead Of His Own?

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If my SS benefits are more than my husbands can he draw 1/2 of my amount in lieu of his ss.

Hi,

The answer depends on when your husband was born. If he was born after January 1 1954, he'll be deemed to have filed for both his own benefits and spousal benefits whenever he files for either, and he'll essentially receive only the higher of the 2 benefits.

Can I Receive Spousal Benefits Before My Husband Starts Drawing?

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I would like to retire and stay home to care for my adult disabled son, can I receive spousal benefits before my husband draws ssi.. He wants to wait until he is 70
He is going to be 65 on April
I am 64

Hi,

Sorry, but the answer is no.

Since you have a disabled son, there are a number of possible filing strategies to consider, especially if you are insured for benefits on your own account. You may wish to consider running the maximization software available on this website in order to determine your best filing strategy.

Was I Misinformed About How Excess Spousal Benefits Are Calculated?

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I am 66 (11/50) and my wife is 62 (3/54). I filed at 62 four years ago and she filed this year, also at 62. Since 50%of her PIA is greater than my PIA, I am filing for Excess Spousal Benefits. I was told at the local SSA that all my benefits (including spousal) had been permanently reduced when I filed for my own benefits early and that my spousal benefit would be the same whether I filed in Oct or Nov (the month I turn 66).