Spousal Benefits

Would My Wife's Spousal Benefits Be Higher If She Waits Until Age 70 To Start Collecting?

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I don't plan to take my Social Security until age 70. Would my wife's spousal benefits be higher if she collects at age 70 or would it be the same if she started collecting at 66.

Hi,

Spousal benefits do not get any higher if the eligible spouse waits past their full retirement age (FRA) to start drawing their benefits. If your wife qualifies for spousal benefits on your record she would not want to wait past her FRA to claim those benefits, however, she couldn't qualify for spousal benefits at least until you start drawing your benefits.

If My Wife Takes Her Benefits At Age 62 Can I Take Spousal benefits Of 50% Of Her Full Retirement Amount?

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MY WIFE WILL TURN 62 IN MAY 2020. I TURN 68 IN JULY. IF SHE TAKES HER BENEFIT AT 62 CAN I TAKE A SPOUSAL BENEFIT OF 50% OF HER BENEFIT BASED ON HER NRA OF 66 AND 8 MONTHS? I PLAN ON CONTINUING TO DEFER MINE UNTIL 70. IF SHE TAKES 12 MONTHS OF BENEFITS AND THEN DECIDES SHE MADE A MISTAKE AND REPAYS WHAT SHE TOOK WILL MY SPOUSAL BENEFIT STOP AND ONLY RESTART IF SHE ONCE AGAIN CLAIMS HER BENEFIT OR WILL MY SPOUSAL BENEFIT CONTINUE?

Hi,

Can I Get Spousal Benefits Now?

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Hello Larry, My wife was born on 1/28/1954 and started collecting benefits at age 65. I was born in July 1956 and retired this year but plan on waiting till my full retirement age to start benefits.
Can I get spousal benefits now ? It is very confusing and I have read about differences if you were born after 1/1/1954 but really don’t understand it. Thank you !!

Hi,

Would I Qualify To Get Half Of My Spouse's Social Security While Letting My Own Benefit Rate Grow Until Age 70?

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I was born in 1953 and will be 66 in December. I would like to file a restricted application and receive half of my spouses social security, starting in December. I would let mine grow, and I am still employed. My husband was born in May of 1954, is also still working and has not claimed any social security benefit. Would I qualify for this benefit ?

Hi,

Is It Correct That My Wife Can Draw Half Of My Benefit Amount Even If She Filed For Her Benefits At Age 62?

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My wife started taking social security benefits around age 62 thinking that when I file she would get half of what I get since my benefits are greater. Is that correct? If not, is it possible to reverse it? She is five years older than me. Thanks!

Hi,

Should My Wife Get A $300 Increase?

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My wife and I are the same age. My wife started receiving SS benefits at age 62. I started receiving SS benefits at age 65, three years later when I retired. At that time I asked if my wife could apply for the spousal benefit. We were told if she applies then, her benefit around would increase by $150 but if we waited a year until we were both 66 for her to apply, her benefit would increase by $300. The year has passed and we went to apply for the spousal benefit and we are waiting for the decision on it. We weren't given any reason to be confident she will get an increase.

Am I Calculating My Wife's Excess Spousal Rate Correctly?

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I have studied the calculation for Social Security (SS) spouse benefits and believe I understand the steps in the calculation. I am asking for your help validating my calculations. These calculations are based on an effective date of 11/01/2019 (because my spouse’s birthday is on the 1st of the month, she can file as Full Retirement Age (FRA) on 11/01/2019 per the Social Security website calculator). Here are the facts:

Can I File A Restricted Application For Spousal Benefits If I Suspend My Own Benefits?

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Hello,
I am 67, my husband is 64. I was born BEFORE Jan 2, 1954. I collect social security benefits, my husband does not. I have suspended my social security benefits once but have since restarted. I have just learned about Restricted Application Social Security, my question - can I suspend my benefits again and participate in Restricted Application benefits?

Hi,