Hi Larry,

I am 69. When my wife turned 66, I filed and then suspended. She is getting spousal benefit (Half of what mine would have been) I guess she filed a restricted application. Her own benefit would be much lower. At 70 I will apply. At 70 she can apply if it is then more than spousal benefit. My question is did I miss out or could I have gotten a spousal benefit from her. Thank you so much and yes I am writing your name in for President!

All best, Ken

Hi Ken,

First, thanks for supporting my candidacy! (Send everyone you know to www.kotlikoff2016.com!)

You didn't miss out. Only one of the two of you could have collected a full spousal benefit and it made sense to have your wife do this since you were the higher earner. The only way you both could have collected a full spousal benefit is have gotten divorced.

All best, Larry