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Can My Wife Change From Her Own Benefits To Spousal Benefits?
WIFE AND I WERE MARRIED IN1962 WE STARTED DRAWING S/S WHEN WE WERE 62. I IN 2001 HER IN 2005 . CAN SHE CHANGE TO SPOUSAL FROM HER S/S AS IT WOULD BE AT LEASE 80 PER MO
Hi. No. Once you start drawing your own Social Security retirement benefits, those benefits continue for life. However, your wife could apply for spousal benefits to potentially be paid in addition to her own benefits, but she'll only qualify for additional spousal benefits if your primary insurance amount (PIA) is more than than twice as much as her own PIA. A person's PIA is equal to their Social Security retirement benefit rate if they start drawing their benefits at full retirement age (FRA).
Best, Jerry
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March 7, 2023