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Social Security Question:
I will be 64 in a month and am working and intend to work until 70 or so. My wife is 68 and is retired - has been taking Soc
Social Security Answer:
I will be 64 in a month and am working and intend to work until 70 or so. My wife is 68 and is retired - has
been taking Social Security benefits since turning 66. Can I register for benefits at 65 or 66 then immediately suspend
benefits? I have read where my wife would then automatically switch over to spousal benefits (half of my
Support Replied ~ 07-07-2012 17:19:21
Yes, you can file for benefits at your full retirement age and then suspend so she can get 1/2 of your benefits since she is over her full retirement age. Social Security will take her full retirement age amount and subtract it from 1/2 your full retirement age amount and add that amount to her check. She will always keep her amount, but now (when you reach age 66) will have your amount added to that. That way she will keep her Medicare Number. Remember, her amount will be based on your full retirement age amount (age 66) and not your age 70 amount. However, if you predecease her, she would get your check amount. Good luck to you......Carol
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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.
|In the news:
Read Carols comments in this BankRate.com 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. 10-20-2018
Thank you so much. You provide a fantastic service and I really appreciate all your help. The next time I have a question regarding Social Security I will go to you first and save myself a lot of time.
Carol J. 10-08-2018
Thanks for the straight forward answers. It would have save a lot of time if I knew about this site months ago.
Emily D. 09-27-2018
Great talking with you and thanks for the help. Things now seem to be going in the right direction.
Chris H. 09-27-2018
Hello, thank you so much for responding to my inquiry, I really did not expect to get an answer from you so quickly. Brought the information you sent to my social security office an the issue, i have been dealing with for months, was resolved in an hour.
Veda M. 09-07-2018
Thank you so much for the reply.
Tom C. 08-08-2018
Thank you so much for returning my email so quickly.
Laverne J. 07-29-2018