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Date Add : 12-02-2009 

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Social Security Question:

Should wife take half of husbands now and hers later

Social Security Answer:

My wife and I will not work again. She has recently filed for SS and will soon receive $1300. She is almost 64 years old(12/29/45). I will turn 62 on Oct 6, 2009. My amount will be about $1660 now or $2206 in 4 years.
Would it have been better if my wife waited until after I filed next month and claim her benefit based on my amount? She would receive half or around $830 and therefore let her own award grow until at 70 around $2000 and then claim that amount?. Or for this to happen do I have to be FRA of 66. Does this make sense?
Or better still, could suggest another scenario that would maximize the total benefit that we can both share?


Support Replied ~ 09-22-2009 18:35:07

Dear Peter:
For a spouse to file under the others SS only and not take their own SS, they must be full retirement age. Your wife would have to withdraw her SS and file under your SS at age 66 and wait to get her own SS at age 70. This is the only way it can be done......Carol
Your Comment ~ 09-23-2009 11:00:11

The second part of my question asked if you could recommend any strategy that could maximize the social security benefit for my wife and I as a team. I understand that everyone's situation is different and it would be just a recommendation or something to think about. But I do think we could afford to lose, if not too large, some benefit now for a bigger benefit in the future. We are not that good with numbers. Thank You
Your Comment ~ 09-23-2009 16:41:21

The second part of my question asked if you could recommend any strategy that could maximize the social security benefit for my wife and I as a team. I understand that everyone's situation is different and it would be just a recommendation or something to think about. But I do think we could afford to lose, if not too large, some benefit now for a bigger benefit in the future. We are not that good with numbers. Could you suggest a scenario that could possibly be worth applying for now or in the future. Or is the best possible course of action for her to accept her award as it is and for me to apply next month when I turn 62. Should I wait until sometime after 62? Thank You


Support Replied ~ 09-24-2009 22:41:49

Dear Pet er:
I can only tell you what would happen in certain circumstances.
Get me your wifes full retirement age amount and her exact benefit amount and when she is starting to get benefits.

As for you, over 4 years you would be paid $79,680. The difference in your rate at 66 is 546 a month. Take the $79,680 and divide it by 546 and you get 12.1 years
from age 66 until you see the advantage of not taking your benefits at age 62. When I first started working for SS, we were told to tell people over 8 years was a bad choice. I can do that with your wifes choices also.....Carol

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DISCLAIMER - You should consult with your local Social Security Office before acting upon any information received as a response to your question on "Social Security Advisor".

"Social Security Advisor" is intended to provide accurate and authoritative information with regard to the subject matter covered. It is offered with the understanding that neither the publisher nor the author is engaged in rendering legal, accounting, investment or other professional advice or services.

Information obtained from RetirementCommunity.com, including e-mail responses from "Social Security Advisor" should be considered as general educational information. You must never rely upon the advice given here. Your individual situation may not fit the generalizations discussed. Only your local Social Security office can evaluate your individual situation and give you advice.


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