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.
How are you today?
Does your wife want to defer receiving benefits, or do you want to defer receiving benefits?
Your wife cannot use FAASF (file as a spouse first) until she reaches full retirement age. She could not, at 64, draw a spousal benefit and allow her own benefit to grow. She can do that once she reaches full retirement age, allowing her benefit to maximize at age 70
If your wife wants a benefit now, you can file and suspend when you reach 66 (full retirement age)
I am now 66 but decide to defer withdrawing my benefits until 70. Can my wife at 64 start withdrawing spousal benefits now?
If you file and suspend, yes.
You have to file first though - but you can file and then suspend your benefit. Your benefit will be deferred but she can draw her benefit
Is there anything else I can assist you with today?
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Yes, thank you
Thank you. Yes, I would like to keep your contact information for my future inquiry. Best regards
Actually I have one more question at this time.
Our son at 29 is disabled, since diagnosed at the age of 3, can he receive disability benefits as my son when I file for social security at 66 but suspend my benefits until 70?
Thank you for your quick answer.
With regard to my first question of spousal benefit, I understand that my spouse will receive only 50% of my full benefit amount at 66 and not the increased amount 70, even if I decide to suspend the benefit until 70. Is this correct?