Spousal Benefits

Do I Have To File For Social Security At FRA In Order For My Wife To Draw Up To Half Of My Benefit Rate?

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My wife and I both turn FRA (66) this year. She before me, by about 5 months. She was a homemaker for most of our life together and barely had enough credits to qualify for Medicare at age 65 (in 2018) but she made it, and has now filed for SS at age 66, with a monthly earning of about $200 at FRA. I am still working full time and make well over 6 figures. It is my understanding that I have to file for SS at FRA in order for her to draw up to 1/2 my SS earnings? Is that correct? Will SS automatically switch her to the higher amount whether I file or not?

What Do We Do When My Wife Reaches Retirement Age?

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I became 100 percent disabled at 57. I am married and now am 68 years old. My SS was called a disability l until I became retirement age and now my payment is called SS. The amount did not change just what it is called. I get around 2000 a month. My wife and I raised 3 children and she stayed home to take care of them. They have done well. One lawyer, one nurse practitioner, and one computer engineer. My question is, my wife is 60 years old and I would like to know what to do when she reaches retirement age. We have scraped by for a long time on what I receive.

If My Wife Waits Until Age 69 To File For Benefits Will She Get A Full 50% Spousal Benefit?

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My wife is 62 and has earned enough credits to qualify for her own SS benefits, although minimal -$250 a month at 62. She hasn't applied for benefits to date.

I am 60, plan to work until 66 and 8 months and then file for my SS. I have maxed out on my SS earnings for many years and will until I retire.

If my wife never applies for her SS and waits to file for spousal benefits until I retire at 66 and 8 months (she'll be 69), will she get the full 50% spousal benefit?

Will Our Benefits Increase When We Reach Retirement Age?

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I am 56 and started receiving Social security disability in 2010. My husband is also 56 and started receiving Social security disability in August 2018 due to a horrific car accident. His is substantially more than mine. When we start receiving Social Security at "retirement age" (as opposed to SS disability) will either of our benefits increase? Will I then draw 50% of his? Just not sure how that may or may not work.
Thank you

Hi,

How Was My Wife's Spousal Benefit Calculated?

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My wife has 15 years of covered earnings and 13 years of non-covered earnings. She filed for benefits at 62, so her benefit was reduced by 50% of her pension(WEP $250.50) which amounted to $677 after 2018 COLA. Two years later I filed for benefits at 69 and she was Deemed to have filed for spousal benefits. SSA calculated her spousal benefit and then subtracted two-thirds of her pension from the calculated amount and then added the result to the benefit she was already collecting for a total of $739. What I don't understand is how they calculated her spouse benefit.

If I Start Drawing At Age 62 Can My Wife Still Get 50% Of My Full Retirement Age Rate If She Files At Her Full Retirement Age?

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Hello. My wife and I will soon be 62. I plan on taking the early SS benefit at that time. (my benefit is $2000 at 62, $2800 at full age)
We are trying to decide if my wife should wait until her full age. Her benefit is $700 at 62, $950 at full age. If she waits till full age will she be eligible for 50% of what my full benefit would have been ($2800) which would be $1400 for her. Or did that change since I took my benefit early. There seems to be conflicting info on this on the internet. Thank you.

Hi,

Am I Entitled To Any Of My Husband's Benefits Now?

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I've been married since 1987. As far as I know we have never been legally separated or divorced. We parted ways in 2003 not keeping in touch with other. I recently received a text from him telling me that he is living in Virginia and that we are still married. The reason that we split up was 1. He was always running around 2. He had a bad drug habit 3. I was sick and was missing a lot of work. It put us in a financial bind.
I've been on SSI since approximately 2010 I believe. I am 55 yrs old and he will be 59 this yr.

Does The Fact That I Took My Benefits Early Affect My Total Benefit Rate?

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I was under the impression that my social security benefit would be automatically adjusted to be half my husband's. Would the fact that l took mine a year early affect that, or did l misunderstand?

Hi,

Yes, if you start drawing your own Social Security retirement benefits before full retirement age (FRA) you're stuck with the resulting rate reduction even if you later become entitled to an additional spousal benefit.