Hi,
I filed for my social security benefit on my record at FRA in November 2017 at age 66 and my PIA is $1026 per month. Do I understand correctly that I can file for excess spousal benefit when my husband (who turned 64 in March 2018) files for his benefit? He plans to wait until age 70 to file. As of now, his PIA at FRA is $2710.

Or is there a better strategy for us? (I would be willing to withdraw my application if I need a do-over.)

Thanks for your help.

Hi,

Yes, since your husband's primary insurance amount (PIA) is more than twice as much as your PIA you should qualify for an excess spousal benefit when he starts drawing his benefits. It appears that your current strategy is fine, but you and your husband may want to consider using our maximization software to compare all of your options so that you can choose the strategy you feel is best.

Best, Jerry