Spousal Benefits

How Would It Work If My Friend's Wife Files For Spousal Benefits?

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Hi,

My friend is 65 years of age and has been receiving SSDI benefits for seven years. His wife never worked and is now 64 years of age.If she applied for benefits under his Social Security, how would this work? Will she receive less if she files for spousal benefits now than if she waited until her full retirement age? At what point will he switch from SSDI to Social Security?
Thanks. Jim

Hi Jim,

Does A Spousal Benefit Increase If Their Spouse Works Past Full Retirement Age?

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Does spousal benefit rate increase if the spouse whose record the benefit is based on works past full retirement age? In other words, if I work until I am 70, will my retired spouse be eligible for spousal benefit based only on what my benefit would have been if I had retired at 66 (useless, as 50% of that is slightly less than benefit she’s currently receiving)? Or will it eventually be based on my benefit at age 70? BTW, we were born in 1951 and 1952, if that makes a difference.

Hi,

Can My Wife Start Collecting Her Benefits Without Impacting What She'll Later Receive In Spousal Benefits?

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Just finished your book and I'm a converted break even analyst. I plan on waiting to age 70 to collect. However, I couldn't find an answer to this question; My wife's earned benefit is less than half what she'll receive as a spousal benefit when I retire at 70. She is a year older than me. Can she start collecting her own benefit at 62 (or 66, 8 mo.) without impacting the spousal benefit she can receive when I start collecting at age 70? I read all about "deeming" but she's can't claim a spousal benefit until I start collecting at age 70, right?

Hi,

Can You Supply The SSA Link Regarding Child In Care Rules?

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I purchased Maximize My SS and have tried various What If scenarios because we have a disabled adult child. The software shows that I (spouse) get a child-in-care spousal benefit. I'm confused about how that works. The SSA says this benefit stops unless I am old enough to receive benefits based on age. Page 62 of your book (Get What's Yours) says I can receive this benefit at any age. What is the rule? And could you supply the SSA link? Thanks.

Hi,

Are The Social Security Agents We Spoke With Misinformed?

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I used your software to come up with my maximized social security plan. I am currently 65 (July 2018), my wife is currently 59 and will be 60 in December of 2018. We have a son who has been disabled since birth and has been receiving SSI for the past 6-7 years. He is now 26 years old. Your software recommended based on my inputs that I take retirement benefits starting December 2018, it also recommended my son take SSDI benefits at that time and that my wife apply for "child in care" benefits also at that time.

Can My Wife Keep Drawing Spousal Benefits Until Her FRA If I Die Before Then?

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My wife never worked. If I draw early SS benefits, (age 64) and she draws early Spousal benefits, (age 62) and I die, can she continue with spousal benefits until reaching FRA and then file for Widow benefits? 82.5% of my PIA is $1900 and my early benefit is $2000. How does her age affect this if not at her FRA?

Thanks

Hi,

No, spousal benefits are auxiliary benefits paid on the record of a living spouse. You can't receive auxiliary benefits on the record of a deceased spouse, although you could receive survivor benefits instead.