I was born 7/9/55 and my wife was born 3/27/59, and I am the higher earner I'm wondering a what if she filed for SS at age 62 and I filed for a spousal benefit (after I was at FRA) at age 66.2 how would that compare to if I filed at age 70 and my wife at FRA 66.10.

Does your software show you the comparisons ?

Thanks,

Joe

Hi Joe,

The software wouldn't show you the specific comparison you mentioned because filing for spousal benefits isn't a viable option in your case. Since you were born after January 1 1954, if you tried to file for spousal benefits your application would be deemed to also be an application for your own Social Security retirement benefits (https://www.ssa.gov/planners/retire/deemedfaq.html). You would then be paid only the higher of your own benefit rate or your spousal rate, which would apparently be your own rate if you're the higher earner.

However, our software (https://maximizemysocialsecurity.com/purchase) would allow you to compare all of the various filing options that are available to you and your wife so that you can determine the best strategy for claiming your benefits.

Best, Jerry