Spousal Benefits

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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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Can I apply for spousal benefits once my husband’s SSDI converts to Social Security retirement benefits at his FRA?

Full question: I have a question regarding drawing on spousal benefits. Here is our scenario: My husband became eligible and started drawing on SSDI at age 61 in December 2021. He will reach FRA age in Sept 2027. (DOB Sept 1960). This is when his SSDI will convert over to SS retirement benefits. As a…

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Can I file for ex-spousal benefits and not file for my own? What will be ex-spousal benefit be?

Full question: I am divorced over 10 years now. I am 65 divorced, single and my full retirement will be Nov 2027 and I have not filed for Social Security as of yet. My ex spouse will be 62 in Sept 2025. I meet all the required for ex Spouse benefits. Question 1 can I…

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Can my husband collect spousal benefits now and switch to his own at age 70?

Full question: My husband and I are both retired. He is 68 and I am 62 and his salary has always been significantly higher than mine resulting in a higher benefit. I am planning on filing for Social Security this year at age 63 in July 2025. Can he file for spousal benefits? My husband…

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