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Should I File A Restricted Application For Spousal Benefits Now?
I'm 69 this month, will draw SS in June 1919. Income is 550,000. My wife turned 65 in April 2018. Should I file a restricted application for spousal benefits at this time? Thanks
Hi,
Assuming that you haven't filed for and suspended your own retirement benefits and that your wife is drawing her retirement benefits, then yes you should almost certainly file just for spousal benefits only now and then switch to your own record at age 70. However, if your wife isn't drawing her benefits then you couldn't draw spousal benefits.
You and your wife should strongly consider using our maximization software in order to explore your options and determine your best overall filing strategy.
Best, Jerry
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Posted:
July 1, 2018