Will My Wife Be Able To Collect A Larger Benefit Because Of My Delayed Retirement Credits?

Nov 6 2016 - 9:45am

I am now 68 and delayed my benefits until age 70. Will my wife be able to collect a larger benefit because of my delayed retirement benefits (32% more at age 70) if she waits until her full retirement age of 67? (she is now 59)

Hi,

No, spousal benefits are derived from the worker's full retirement age benefit amount (PIA), not including any delayed retirement credits (DRC). So, the most that she can get on your record is 50% of your PIA. However, widow's benefits do include the worker's delayed retirement credits, so if you die before your wife, she will be eligible for a larger benefit thanks to your DRCs.

Best, Jerry