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Can I File Just For Spousal Benefits At FRA And Let My Own Benefit Rate Grow Until Age 70?
My wife and I both reach our FRA in July 2018. My salary has been higher. Is it possible for for her to file at her FRA and for me to file for spousal benefits or a restricted application and get 1/2 of hers while mine grows until I am 70 years old? (Or is this a no-no because of deeming?)
Thanks - Fred
Hi Fred,
Yes, since you were born prior to January 2 1954 and if your wife is drawing her retirement benefits, you can file a restricted application for spousal benefits only at full retirement age (FRA) while allowing your own benefit rate to grow until age 70 (https://www.ssa.gov/planners/retire/deemedfaq.html).
That may well be your best option, but you may want to use the maximization software available on this website in order to compare all of your options and determine the best strategy for you and your wife.
Best, Jerry
Category:
Posted:
June 20, 2017