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August 3, 2020
Category:
Am I Eligible To Claim Spousal Benefits While I Wait To Claim My Benefits?
My wife will be at her FRA (66) in Dec 2020. She plans to start her SS benefit then. It's estimated to be ~ $1750/MTH. I'm a bit younger & my FRA is 66.5 in Aug 2023. Thru our married life I was the higher income provider. My benefit at FRA is estimated at $3100/mth. Am I eligible to claim spousal benefits from my wife's benefit while I wait to claim my full benefit in 2023? If so, how much would the spousal benefit be?
Hi,
No. Only people born prior to January 2 1954 are allowed to file for spousal benefits while their spouse is living without also being required to file for their own benefits at the same time (https://www.ssa.gov/benefits/retirement/planner/claiming.html).
You and your wife may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze the options available to you in order to determine your best strategy for maximizing benefits.
Best, Jerry