My wife, born 12/3/50, filed for benefits at FRA. I turn 66 in Oct, 6 months from now and plan on filing when I reach FRA. From looking at the website, it appears she can not file for spousal benefits on line since she is already receiving her benefits. Is this correct? If so, why can’t we both use an on line application?

Hi,

You'll have to ask Social Security that question, but apparently their online systems aren't prepared to handle the processing of spousal claims filed after a person is already drawing their own benefits. Social Security's website claims that they're constantly expanding their online services, though, so maybe people will be able to file claims like that online at some point in the future.

In the meantime, before you apply for benefits you may want to consider using our software (https://maximizemysocialsecurity.com/purchase) to help you determine the best filing strategy for maximizing your benefits.

Best, Jerry