I am 65, and plan on full time work till 70 as I happiest when being challenged and, not so coincidentally, receive excellent medical benefits. My wife is 53, obviously not Social Security eligible, and has always worked part-time. Her part time work is likely to continue as she has a medical condition that interferes with her concentration at work and intensifies as the day progresses. This has kept her from re-entering the full time workforce. What is the best way to maximize benefits for both of us given the age difference?

Hi,

It will probably work out best for you to wait until age 70 to start drawing. Your wife's best option depends in part on how her benefit rate compares to yours. You may want to consider running the maximization software available on this website in order to determine the best filing strategy for both you and your wife.

Best, Jerry