Spousal Benefits

Can I Get Spousal Benefits On My Wife's Record?

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I'm trying to see if I qualify for spousal report off my wife record I was getting SSI at age of 57 When I Became 62 I switch over to Reduced Retirement Benefits My Wife Just Started To Get Social Security At Age Of 62 She Worked Longer Then I Did and Made more money Too How Do I Get Spousal Benefits Off Her Record And Who Will Be Able To Calulate That For Me To See Will That Be Benefiscal For Me I'm Not Sure Of Her Social Security Reduced Benefits I Went From 778 SSI To 927 Social Security

Hi,

Is Social Security Correct That I Can't Switch To Spousal Benefits?

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I am 10 months older than my wife. Her SS benefits are larger than mine, so I filed for retirement at full retirement age, and she began receiving spousal benefits. Last November at the age of 70 when she filed for benefits on her own account, I planned to change to spousal benefits on her account. But we were told by the SS representative that I could not. My increase would have been over $100/month. Is what the SS rep told me correct? Thank you.

Hi,

Would My Wife Automatically Start Receiving Spousal Benefits At Her Full Retirement Age Even If I Haven't Filed?

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Assume my wife starts her Social Security worker's benefit at 62 and I being 2 years older defer starting my worker's benefit until age 70. Would my wife automatically receive her spousal benefit from my worker's benefit when she reaches her full retirement age at 66 years and 4 months even though I still have NOT filed?

The logic should be since this would be the most she can earn, Social Security should start paying her even though I have not filed for benefits yet.

Thank you

Hi,

Is It Correct That If A Person Files For Their Own Benefits At Age 62, Any Subsequent Spousal Benefits Would Also Be Paid At Their Age 62 Rate?

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Wish to confirm if a spouse starts her own workers benefit at 62 at a reduced rate but her husband who is older waits to claim his workers benefit until she reaches full retirement age, the wife's spousal benefits will still be reduced to the qualifying percentage calculated at the time she first began her workers benefit at 62. Is that correct?

Hi,

No, that's not correct. In the scenario you present the spouse would retain her own retirement benefits at the same reduced rate, but any additional spousal benefits would be unreduced.

Is It Possible To File For And Suspend My Benefits So My Wife Can Draw On Me?

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Dennis: Age 65. DOB 7/21/1953 taxable income is 500k for next 8 years
Spouse is 61. 2/10/58. She worked 15 years as a teacher but has not worked in 20 years.

I am postponing my SSI until age 70 so to maximize my monthly check. Is it possible to file for SSI and suspend so my wife can draw on me?

Hi Dennis,

Isn't The Spousal Benefit Always Half?

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Hi, I joined and ran your software and have a question about the results. It recommended that I take spousal benefits when my wide turns 66 this November. And she takes her full benefits. Then when I turn 70 in 2023, I take my full benefits and she takes her spousal benefits. My spousal benefit comes to half her benefit. From the report at age 71 in 2024, my benefit = $44,917. My wife's benefit = $9786 and her spousal benefit = $7228. Added together this is $17014. This is not half of my benefit. What am I missing here. We thought that spousal benefit is always half?

Would I Get Half Of My Husband's FRA Rate If I File Now?

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Hi Jerry,

Thank you for your assistance, I greatly admire your immediate response. I do have another question based on your response, for clarification and understanding.

My husband took early social security at age 62, his FRA at the time in 2017 was the amount of $2254. (of course he gets much less because he chose to take it at 62)

I was born October 1955. My own social security at FRA would be $1026. If I would apply for spousal benefits now, what would I receive, -would it be $1127?