I filed and suspended prior to the dead line (dob 12-15-48), my wife will be 66 in Dec. (dob 12-14-50). Where can we get specific instructions on how and when she should file for spousal benefits so her own benefits can continue to grow until she is 70? Would she be able to get her first check in Jan. 2017?

Hi,

The actual reference in Social Security's operations manual for filing a restricted application is GN 00204.020 (https://secure.ssa.gov/apps10/poms.nsf/lnx/0200204020), specifically section D.1.b of said reference.

Your wife can file her application up to 4 months in advance, or as early as next month. She can apply online at ssa.gov, in person at a Social Security (SSA) office, or by telephone (1-800-772-1213). She will want to file a restricted application for spousal benefits only, with her month of entitlement being December 2016.

If she files in person or by phone, an SSA rep will complete the application for her. She needs to be sure to tell the representative that she wants to restrict her application to spousal benefits only. When she reviews her application, make sure it contains a remark such as: 'I wish to restrict the scope of this application to spousal benefits only.', or 'I wish to restrict retirement benefits on my own account from the scope of this application.' If she files online, she should enter one of the above remarks herself.

Her first payment will be due in January 2017 (for December 2016). If everything is handled properly, her claim number will be your Social Security number with the letter 'B' at the end. That will also become her Medicare number until she eventually applies on her own account at age 70.

Best, Jerry