Ask Larry

Can I File For Spousal Benefits At Age 62 And Get Off Of SSDI?

Hi i am 60 and on SSDI. I want to get off and maybe move back to the UK. Is there a way for me to file on spouses at 62 and get of SSDI? I don't think i can get SSDI and live abroad, although thats all very vague. If i file on his i would get 50% right? 50% of a reduced amount? So if his is say 1600 - 50% say 25% = 600.00? What happens when i reach FRA? Will it switch back to the SSDI amount i am getting now, which is more?

Hi,

You can continue to receive your Social Security disability (SSDI) benefits even if you move to the UK. Your SSDI benefits will then convert to regular Social Security retirement benefits at the same rate when you reach your full retirement age (FRA), and will continue to be paid even if you're living in the UK.

You couldn't choose to switch from SSDI to spousal benefits when you reach age 62, but you could apply for spousal benefits at that time. However, you would only qualify for spousal benefits if your husband is drawing his Social Security benefits and if 50% of your husband's primary insurance amount (PIA) is higher than your SSDI amount. If you do qualify for any spousal benefits in addition to your SSDI benefits, they'll be reduced for age if you start drawing them prior to FRA.

Best, Jerry

Category: 
Posted: 
May 29 2019 - 5:05am
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