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When Should I File My Application For Spousal Benefits?
My wife turns 66 May 31, 2018. She has filed for her retirement benefit to start May 2018. I turn 70 Oct 15, 2018. When should I file a restricted application for spousal benefits only until I am 70 then collect my own retirement benefit? Also, when I file, will the wife"s benefit become a spousal benefit because I filed and will the benefit be one half of my FRA retirement benefit?
Thank you
Hi,
You would file for spousal benefits effective with the same month that your wife elects to start her retirement benefits. And yes, if your wife files for her benefits at full retirement age and later qualifies for additional spousal benefits, her combined benefit rate will be equal to 50% of your full retirement age rate (PIA).
If you haven't already done so, you and your wife should strongly consider using our maximization software to make sure that you are choosing the best possible filing strategy.
Best, Jerry
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Posted:
February 12, 2018