Spousal Benefits

Can I File For Spousal Benefits Now?

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After not having worked for 20 years, I began drawing my social security benefits at age 62 while my husband began his benefits at FRA. I unexpectedly went back to work at age 64. My husband is also still working. I will be 67 in August. He is 68. May I now file for spousal benefits at this point? I would double my benefit if I were to receive 1/2 of his. Or is there a better scenario for us? Also, are spousal benefits calculated on your benefit before medicare insurance is deducted, or after?

Thanks!!

Hi,

Is What Social Security Told Me Accurate?

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Hi Larry, I will be turning 67 in July, and don't plan on taking SS benefits till 70. My wife has been getting benefits since 62, she turned 67 this past March. I had asked you if I was eligible for SSI and you thought I was for half of her allowance till I make my claim. I am still working and my wife works part time. the SSA office told me I was not eligible because we have a combined income of 80k/ month. Just wanted to check with you to see if this is accurate. Thank you.

Hi,

If My Wife Waits Until Age 70 To Claim Her Own Benefits Could She Still Get Spousal Benefits?

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My benefit amount at full retirement age is $2000. My wife's is $900. I understand her spousal benefit would be $100 per month. If she delayed claiming her benefit until age 70 so that her benefit increased to $1188 (32%) would she still receive the $100 spousal benefit in addition to the higher benefit amount. In other words would she receive $1288 or $1188?
Thanks

Hi,

Would You Define Excess Spousal Benefits?

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Please define "excess" spousal benefits? I am 4 years older than my spouse. I have been the primary income earner. My spouse earned minimal income. I will defer until age 70. Does that mean my spouse can receive half the benefit I receive at age 70 if she waits to file until her FRA or later (and after I file at age 70), or will her spousal benefit peak at the half my FRA benefit even though I defer until 70?

Hi,

Would My Wife Receive A Lesser Survivor Amount If She Takes Spousal Benefits Early?

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I began taking my social security benefit at NRA. I'm 66 and my wife is 61. After reviewing what she would get under the spousal benefit I think that it would be to our benefit for her to take the reduced spousal benefit when she turns 62 in December of 2018. My question has to do with the benefit she would receive should something happen to me. When I retired I began taking my benefit in September of 2017 at NRA which was the maximum benefit allowed. Based on the SS calculators she would receive a little over $900 per month because she would be taking it early.

When Can My Wife Claim The Full 50% Spousal Benefit From SS?

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I am turing 65, m FRA is 66 and plan on supending SS until I am at 67. I will not need Medicare as well until I turn 67. My wife is 63 and will turn 65 at the same time I turn 67. In this way I am mantaining medical insurance up and until she can be on Medicare. Having said this, if I retire at 67 when can she claim the full 50% sposual from SS? She has been a stay at home mom and does not have enough credits to receive any SS on her own.

Hi,