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• Hello Carol,
Was married to ex spouse for 16 years and that was 23 years ago. I am now almost 66 years old and have applied for ex spouse half payment for social security

Q: Hello Carol, Was married to ex spouse for 16 years and that was 23 years ago. I am now almost 6...
   Last Update : 10-08-2012

• I turned 62 in February of 2012, and am retiring August 15, 2012. I am a sole propietor of an LLC
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Q: I will be 64 in a month and am working and intend to work until 70 or so. My wife is 68 and is retir...
   Last Update : 07-06-2012

• Hi Carol,
I think I understand the social security admin regulations from your other
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Q: Hi Carol, I think I understand the social security admin regulations from your other answers but w...
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• I turn 62 in a few months.. I have been self employed builder for 30 years and my pay in has been low..I have not worked in
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Last Update : 05-01-2012 

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Social Security Question:

I actually have quite a few questions.
I'm 62, not working, and my husband is 61 and getting SSD. I know that if I apply

Social Security Answer:

I actually have quite a few questions. I'm 62, not working, and my husband is 61 and getting SSD. I know that if I apply for my own Social Security benefits now I will receive less than my full amount because I'm filing early. My questions are: 1. If I file for benefits now, can I receive a wife's benefit in addition to my own because my husband's FRA is more than twice my own? 2. Will my wife's benefit also be reduced because I am 62? 3. Do I have to wait until my husband is 62 to get a wife's benefit even though he is getting his full amount now because he is getting SSD? 4. If I apply for a wife's benefit now, or when my husband is 62, will I still be able to apply for one half his benefits when I am 66? 5. Do I have to wait until he is 66 to apply for one half his benefits? 6. If he dies before I am 66, or before he is 66, will the widow's benefit be reduced? Thank you for your help.

Support Replied ~ 05-01-2012 15:33:23

Dear Nita: Yes, you can file for retirement now and get your rate,which will be reduced for age, and then your wifes' portion will be reduced for age. You do not have to wait for your husband to be age 62 because he is already getting benefits. The law states that your husband has to be receiving for you to be receiving and most husbands are 62 before they are receiving. You cannot get 1/2 of your husbands amount unless you wait until age 66 to file for benefits. He does not have to be 66, you have to be. Widows benefits will be reduced for your age. Age 66 is the full amount. Hope I have answered your questions, get back to me if you need more answers. If you give me your husbands amount and your age 62,66 and 70 amount I can give you the different age amounts.....Carol
Your Comment ~ 05-03-2012 13:41:21

I found my updated benefits for 2012. The amount for age 62 is $559, the amount for age 66 is $726, and the amount for age 70 is $958. My husband's amount for 2012 is $1921.90. Can you give me the amounts I would get if I apply for wife's benefits? How do I apply for wife's benefits? Thank you for your help,

Support Replied ~ 05-03-2012 15:26:55

Dear Nita: If you were to file at age 62, you would get your own $559. Added to that would be the spouses rate...Your husbands' PIA (which is at least $1921.00, the amount which he receives in his checks). Take 1/2 of that which is $960.00 and subtract your age 66 amount. That leaves 234.00. Take away 25% which leaves about $176.00. So your full check would be $739.00. You can go onto SSA.GOV and put your own claim on and the office that handles y our area will call you and take the spouses' claim or you can call the toll free number and make a telephone or office appointment.....Good luck with whatever you do!!!
Your Comment ~ 05-30-2012 16:03:30

What is the difference between taking my benefit plus my spouse's benefit, or taking 1/2 of my spouse's FRA? Can I take my benefit plus my spouse's benefit now and then when I am 66 can I apply for 1/2 my husband's FRA? If I apply for just my benefit now, then when I am 66 can I apply for 1/2 my husband's FRA and it would be the full amount then? Why would I apply for my benefit plus my spouse's benefit instead of just applying now for 1/2 my husband's FRA? I applied for my benefits online this month but didn't see where to apply for spouse's benefits. I thought it would just be added but it wasn't. I tried to call my local Social Security office but they weren't available when I called. Can I apply online now and have my spouse's benefits added on to my benefit, or do I have to appeal the decision to have spouse's benefit added to mine?

Support Replied ~ 06-01-2012 10:47:18

Dear Nita: If you file for benefits before your full retirement age (66) you MUST take your own first and then add the spouses amount, which would give you about $739.00. At age 66 you have the option of taking 1/2 of your husbands which is $960 and then switch to your own at age 70. (Which you might not do because your own rate now is less than 1/2 of your husbands.) Once you apply on your own record you are permanently reduced. You cannot apply for 1/2 of your husbands unless you are age 66....there is a reduction for every month you are under age 66. So if you file now, your own amount is reduced and your spouses benefit is reduced. But you must consider, if you are not working now, then you can get your checks and waiting might not be worth it. I don't know how sick your husband is, but once he passes, you will be getting his amount. (so waiting might not be such a good idea)..... SS must get hold of you to take a spouses claim....Don't worry because you are protected by the claim you put on the computer....If you get your first check and Social Security still hasn't contacted you, then you should call or go into the local office.....Hope I have helped.
Your Comment ~ 06-18-2012 14:19:51

I have filed my claim for my benefits and I have received my first check. I filed on line and didn't see where to apply for the additional spouse's benefits so I called our local social security office and was told that even though my husband is getting disability benefits now, I can't apply for spouse's benefits yet because my husband isn't 62 yet. Does this sound right? They said to apply for spouse's benefits in January since my husband's birthday is in March.

Support Replied ~ 06-19-2012 13:48:34

Dear Nita: I guess that they are correct because you are filing a retirement claim and therefore they must follow the retirement rules not the disability rules. I am still trying to confirm this but cannot find anything in the regulations.....maybe I am not able to find these laws since I am online and not in an office.....If I find out differently,, I will let you know....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, 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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In the news: Read Carols comments in this Social Security article

Thank you so much. The amount of infomation you provided on our call went a long way in helping to resolve the issues I had with the social security rep I was working with.
Tom F. 04-23-2020

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