I retired on ssdisabilty at age 62 it went to reg.soc.sec. at 65 my wife retired at 62 her soc.sec. is a lot less then mine can she received a part of mine?

Hi,

Assuming that you were already receiving benefits when your wife filed, the answer is probably not. Since she filed at age 62, she would have been deemed to have also applied for a spousal benefit on your account if she was eligible.

Here's an example to illustrate. John receives disability benefits starting at age 62. Disability benefits are paid at the full retirement age benefit rate (PIA), so he is paid his full PIA of $2000. John's disability benefit converts to retirement benefits at full retirement age, and his monthly rate continues at $2000.

John's wife, Jane, is eligible for a full retirement age benefit amount (PIA) of $1000. Jane elects to start her retirement benefits at age 62, so her benefit amount is reduced by 25%, or to $750. Jane is not eligible for any additional spousal benefits, because her PIA of $1000 is exactly one-half of her husband's PIA of $2000. Thus, her potential spousal benefit is zero (i.e. $2000/2 - $1000).

If Jane's PIA had been less than one-half of John's PIA, she would have been deemed to have applied for reduced excess spousal benefits when she filed for reduced benefits on her own account.

Best, Jerry