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Social Security Question:
My Bday is 10/06/1932. I have been drawing Social Security since age 65. Current gross benefit is $2,376/mo. Spouse (Sue) Bda
Social Security Answer:
My Bday is 10/06/1932. I have been drawing Social Security since age 65. Current gross benefit is $2,376/mo. Spouse (Sue) Bday is 06/06/1947. She is considering applying for spousal Social Security benefits now (age 63). Questions are -
1) Will the spousal benefit be a discounted amount of my benefit, and if so, aprox. how much?
2) If discounted, can she apply for a full spousal benefit at her full retirement age of 67?
3) If she applies for benefits now, will her survivor benefit be affected by early application for spousal benefits?
Support Replied ~ 08-24-2010 21:26:04
You ask some good questions. If your wife files for benefits now, she will get her reduced rate forever. She could get some of yours now if her amount is not more than
1/2 of your amount.
However, if she waits until she is FRA (age 66), she can get 1/2 of yours and leave hers alone until she is age 70. She can only do this if she waits until age 66.to file.
When she takes her Social Security will not affect her widows amount. The widows benefit is reduced if she is under age 66 when she files for widows benefits.
To help you figure out what would be best, have your wife call and get her age 62,66 and 70 amount. If her age 70 amount is less than her spouses' amount, you might as well have her file now since she will not use the age 70 amount anyway.
If you have further questions, write again and I will call and explain......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. 04-28-2017
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. 04-16-2017
Thanks for the straight forward answers. It would have save a lot of time if I knew about this site months ago.
Emily D. 04-05-2017
Great talking with you and thanks for the help. Things now seem to be going in the right direction.
Chris H. 04-05-2017
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. 03-16-2017
Thank you so much for the reply.
Tom C. 02-14-2017
Thank you so much for returning my email so quickly.
Laverne J. 02-04-2017