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October 9, 2019
Category:
Should I File For A Restricted Benefit When My Wife Retires?
I would like some insight as to the best strategy for my wife and I for social security. I'm currently 68. my wife will be 66 on jan. 3 2020. I have not filed for social security yet. should I file a restricted benefit when she retires and how do I do it? thankyou ray
Hi Ray,
It sounds like you could file a restricted application for just spousal benefits only when your wife files for her benefits, but whether or not that's the best overall strategy for the two of you depends on a number of different factors. You and your wife should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to help you determine the best possible strategy for claiming benefits.
When you do decide to file a claim, you can apply online at Social Security's website (https://www.ssa.gov/benefits/retirement/) or by calling or visiting a Social Security office. However, you couldn't file for spousal benefits until your wife claims her Social Security retirement benefits.
Best, Jerry