Larry,

I am 67 years old and filed early for SS benefits at age 64. My wife is 66 years old and wants to file a restricted spousal application and delay filing based on her own earnings until age 70. My question is will her spousal benefit equal 50 percent of my current check or what I received when I was 66 last year or what I received when I filed early at age 64? Thank you.

Hi,

Hi Larry,

Thank you in advance for answering my question. My husband has been legally blind since age 50 (2008) and started on SS disability. We had planned that I would not apply for my spousal benefit until age 70 (my personal benefit would be less than half of his) but we were told by SS that since he is already on SS disability that there is no financial benefit for me to wait beyond age 66. Is this true and if so are there any options that we could use to maximize my benefit?

Hi,

Hello,
I was born on 12/20/1953,my wife born on 9/5/56.Does my wife have to be drawing social security for me to draw a spousal benefit or just file and suspend at her age of 62.Also would that spousal benefit be1/2 of her PIA at FRA for her?Thanks appreciate the help.

Hi,

Hi,
I'm 71 and my wife is 70. We both started collecting at 65 based on our individual work records. I collect $2000 and she collects $500. Can she suspend her benefits and collect on mine, and I as I now realize that we made a terrible mistake by not doing so originally. Thanks!

Hi,

my husband born 1/29/54 would like to wait till maximum age 70 to file for his own benefits. can i take half of his when i turn 66 in 4 years, even if he does not file?

Hi,

Your husband must be drawing his retirement benefits in order for you to potentially receive spousal benefits on his record. And, if you are already drawing benefits on your own record, you could only receive additional spousal benefits if 50% of your husband's full retirement age benefit rate (PIA) is higher than your own PIA.

Hi,
I'm 71 and my wife is 70. We both started collecting at 65 based on our individual work records. I collect $2000 and she collects $500. Can she suspend her benefits and collect on mine, and I as I now realize that we made a terrible mistake by not doing so originally. Thanks!

Hi,

I will turn 70 in Dec. 2017 and my wife will turn 66 in Sept. 2018.
I plan to file for my benefits ta age 70 and my wife will file for spousal benefits at age 66 and let her own benfits grow till age 70.
I have continued working after my FRA at age 66 and this added 4 years with high income to my SS history and increased my PIA.
My question is: Which PIA will be used to calculate the spousal benefits? Is it the increased PIA with the added 4 yrs of high income or is it the PIA I would have had at age 66?

Thanks!

Hi,

I am confused about spousal benefits. My husband filed for social security at age 65 last summer. I will turn 66 in October of 2017, and we have been married for 44 years. Am I able to collect spousal benefits after I reach my full retirement date up to the date I turn 70? Does it matter if I still work full time?

Hi,

I am 66 (11/50) and my husband is 67 (4/49). I began SS at 62. He was planing to hold off filing until 70 yrs of age. We recently found out that he could have been filing for half of mine since his 66 yr birthday. We have an appointment with SS on May 5 because when we went to our local office the guy at the window told us we are not eligible for that, in his words, "because your husband was the higher wage earner." We filled out the "Application for Wife's or Husband's Insurance Benefit" to take to our appointment.