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Can My Wife Collect Spousal Benefits At Age 65, Or Should She Wait Until She Is Age 66?
I filed & suspended before Apr 2016, when i turned 66. My wife is 65. Can she collect spousal benefits now? or should she wait till she is 66?
Thanks
Hi,
Your wife could file for reduced spousal benefits at age 65, but she'd then also be deemed to have filed on her own record. Depending on her circumstances, it may be better for her to wait until age 66 (i.e. her full retirement age) so that she can file just for spousal benefits only and allow her own benefit rate to grow until age 70.
Your wife should strongly consider running the maximization software available on this website before deciding on when to file.
Best, Jerry
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Posted:
June 24, 2017