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Megan C
Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 15182
Experience:  Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
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My husband is 63 years old and receiving social security.

Resolved Question:

My husband is 63 years old and receiving social security. I will turn 62 in September. Can I apply for FAASF "File as a Spouse First", now and let my own social security continue to grow until I am at full retirement age and then convert over to my own social security? My social social security is just a little less than my husband's due to both of us earning close to the same amount when we worked. I have called the social security office about this question, they said they never heard of this form. Any help would be appreciated.
Submitted: 1 year ago.
Category: Social Security
Expert:  Megan C replied 1 year ago.

MyVirtualCPA :

I realize you have a question about social security. My goal is to provide you with excellent service, and help you better understand your options.

MyVirtualCPA :

You cannot deploy FAASF until you are full retirement age. You cannot draw a spousal benefit early, and allow your own benefit to grow.

MyVirtualCPA :

FAASF is not an application or form - it's a method by which some people take their benefits

MyVirtualCPA :

FAASF works when you apply at full retirement age, draw a spousal benefit, then draw your own benefit at 70 when its the max

Customer:

What does file as a spouse first mean anyway?

MyVirtualCPA :

It means you file for your spousal benefit before your own benefit

MyVirtualCPA :

Do you have any further questions?

MyVirtualCPA :

If not, please rate as "excellent" so that I may receive credit for assisting today

Customer:

So FAASF benefit would not apply to me until I reach the age of 66, so my only other options at this time would be to take my social security at a reduced rate or wait until age 66 to get my benefits? Or are there any other options I should be considering?

MyVirtualCPA :

Those are your only two current options, given your age.

MyVirtualCPA :

Once you reach full retirement age, you can take your benefit in full or the spousal benefit and allow your own benefit to reach its max at age 70

Customer:

Thanks for the information.

MyVirtualCPA :

YOu're certainly welcome

MyVirtualCPA :

If you would, please rate my resopnse as "excellent" so that I may receive credit for assisting you today

Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 15182
Experience: Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
Megan C and 2 other Social Security Specialists are ready to help you
Expert:  Megan C replied 1 year ago.
Thanks, Kathy for your positive rating. Please come back and visit MyVirtualCPA for any of your tax, finance, or social security needs. It was a pleasure working with you today.

In a couple of days you may receive a short survey. Please fill out that survey favorably, as it will assist me with my rankings on the site.

Thanks again!

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