Spousal Benefits

Can My Wife Get Reduced Benefits On Her Own Account & Spousal Benefits Later?

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I was born on Feb 29, 1956. My wife was born on Dec 1, 1957. I plan on working, and delaying my Social Security until age 70 (March 1, 2026). My estimated FRA benefit is $,2500/month. My age 70 benefit is about $3,252/month. My wife's age 62 benefit is about $1,000/month and FRA is $1,532/month. Can she file for Social Security at age 62 (2019) and then file again, once I file for Social Security, in 2026? I have read that the spouse can file and get 50 percent of the higher earning spouse, but I cannot figure out "half of what"? Is it half of the FRA amount?

Can I File a Restricted Application For Spouse's Benefits This Month?

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I will be turning 66 in October 2016. My wife is 47 and receiving SS Disability can I file a Restricted Application for a spousal benefit only this month?
Thank you, Joe

Joe,
You can file a restricted application for spouse's benefits only at or after your full retirement age (FRA). Do not file before your FRA or you'll be deemed to have filed for both your retirement and spouse's brnefit at thet time, i.e. you won't be able to file a restricted application.
Best,
Mike

Can My Wife Claim Spouse's Benefits Berfore I Qualify For Benefits?

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I'm 54 and have a contribution history with the SSA that will allow me to draw normal benefits once I hit retirement age. My wife on the other hand is 62 any has never built up credits with the SSA. Can she claim spousal benefits now or do we have to wait till I'm old enough to qualify?

Paul,
Your wife cannot claim her spouse's benefit until you file for your retirement benefit.
Best,
Mike

What Will My Spouse's Spousal Benefit Be at FRA?

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Hi, I am 61. My husband is 63. We retired very early and live off of investments. Neither of us are likely to have long life expectancies, especially my spouse who has a chronic illness. I was the higher earning. If I take SS at full retirement age I will roughly get 2200 in benefits per month, or 1660 if I take at age 62. My husband did not have much in earnings, he collects 662 per month in social security, having started at age 62. The question is what would his spousal benefit be.

Shouldn't My Spousal Benefit Be One-Half Of My Husband's Benefit?

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I hope you have time to answer an email. My husband retired and started SS at 66 then went back to work part time a year later ( he is now 69). I retired and started spousal benefits at 66 (I'm now 67). Subsequently, SS has increased his monthly earnings because of recalculation that replaced lower earning years, however, my spousal has not increased to match 1/2 of his current monthly. Your Dec. 2014 Forbes article seemed to indicate my