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Can My Husband Get Half Of My Age 70 Benefit If It's Higher Than His Own Rate?
I am 57, working full time, earning maximum benefits for social security. My husband is 62 and has not been working for several years. His estimated benefit if he takes early social security is about 1400 dollars per month. If we take that money now, then we can afford to wait until I am 70 (13 years from now) for me to get my maximum amount. Can he then get half of my social security if it is more than 1400 dollars?
Hi,
No. The maximum spousal rate is 50% of the worker's full retirement age rate (PIA), not 50% of their age 70 rate inclusive of delayed retirement credits (DRC). In order for your husband to be eligible for any additional spousal benefits when you file, 50% of your PIA would have to be more than his own PIA.
If your husband's age 62 rate is $1400, his PIA (i.e. his full retirement age rate) is likely at least $1800. So, in order for your husband to be eligible for a spousal benefit your PIA would likely need to be more than $3600, which is well above the highest possible PIA.
You and your husband should strongly consider using the maximization software available on this website to explore your filing options and determine your best strategy.
Best, Jerry