When Should My Wife File Her Application?

Mar 18 2019 - 5:57pm

I just applied for SS benefits to start May 1. I'll be 66 in April. My wife is 66 1/2 and will file a restricted application and ask for only her spousal benefit. What should the exact timing be for her to apply for benefits. Even though I'm not yet receiving a benefit, can she apply now? Or should she wait until I'm "on the books" and receiving a benefit?


Your wife can file her application now while your application is still pending, or she can wait until your claim is processed. It really wouldn't make any difference as long as she doesn't wait too long. Your wife will want to be sure to claim benefits effective with the same month you did, and she can do that anytime up to 6 months after your initial month of entitlement.

If you and your wife haven't already done so, you should strongly consider using our software to make sure that you are choosing the best possible strategy for maximizing your benefits.

Best, Jerry