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Can My Wife File for Spouse's Benefits While My Benefits are Suspended?
I recently retired at 66 February 2016 and filed and suspend. My benefit is 2188 monthly. My wife retires at 66 October 2016 with benefit of 2208 monthly. Social Security agent stated my wife could file and defer until 70.5 and collect spousal benefits.
Question: can my wife file for deferred benefit at 66 and then collect spousal benefit?
Thanks in advance
Howard
Howard,
If your wife was born on or before 1 Jan 1954, then she can file a restricted application for spouse's benefits only at or after her full retirement age. She should not file for, and suspend, her retirement benefit. She then just waits until age 70 to file for her retirement benefit, which will be increased at the rate of 8% per year for every month of suspension.
Best,
Mike
Category:
Posted:
June 30, 2016