I took SS retirement at 66, my benefit is $2808/mo. My wife took Spousal at 66 for $1404. Her benefit would have been $945. What happens when she turns 70? Will her benefit remain at the $1404 rate?

Hi,

It sounds like nothing will change when your wife reaches age 70. Assuming that she filed a restricted application for just spousal benefits and not for her own Social Security retirement benefits, she could potentially switch to her own benefits at age 70 if her own rate was higher than her spousal rate. However, if her full retirement age rate, or primary insurance amount (PIA), is $945, her age 70 retirement rate would only be roughly $1,247 (i.e. 32% higher than her PIA).

Therefore, based on the rates cited in your question your wife would appear to be better off if she simply continues to draw spousal benefits. However, she may want to consider using our software (https://maximizemysocialsecurity.com/purchase) to be sure.

Best, Jerry

Best, Jerry