Spousal Benefits

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If my wife claims spousal benefits early, will she still be entitled to full survivor benefits?

Full question: If my wife claims Social Security at age 62 (based on my earning as I am high earner), will she get full survivor benefits at her full retirement age. Hi there, Thank you for reaching out. If your wife claims Social Security spousal benefits at age 62 based on your earnings as the…

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Can my wife switch from her benefit to a spousal benefit once I start collecting?

Full question: Hi I’m 68 and not collecting Social Security yet. My wife 66 started collecting on her record a year ago. When I start to collecting can my wife step up to spousal benefit if it’s higher? Hi there, Yes, when you start collecting your Social Security benefits, your wife may be eligible to…

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Am I eligible for divorced spousal benefits?

Full question: This individual is 70 years old, still working and is claiming Social Security income and has been divorced over 10 years and not remarried. The individual would like to know if they can still claim the divorced spousal benefits and can she go back to retroactively claim? Hi there, Based on the information…

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When can my wife begin collecting spousal benefits?

Full question: Hi Martha. I just turned 59 yeas old and have been collecting SSDI and a private disability benefit for the past 3-4 years. My wife of 36 years will be 60 years old in early July. She is retired from New York State and collecting her retirement benefit from NYS. Unfortunately, due to…

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Can I apply for my husband’s Social Security if I am collecting disability?

Hello, Yes, you can apply for spousal benefits on your husband’s Social Security record if you are receiving Social Security Disability Insurance (SSDI). Once your husband starts receiving Social Security retirement benefits, you may be eligible for an additional spousal benefit if half of his full retirement benefit is higher than your SSDI benefit. For…

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Can my wife apply for Social Security at age 62?

Full question: My wife is 57. If she applies for Social Security at age 62 will she get the higher of her SS benefits or 50% of mine (age 68). Also the 3:1 restriction before FRA – that amount will be added at FRA – so a person does not lose it – but it…

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