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Good afternoon Svetla, I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today. What you were told is absolutely correct and you should do it, because you gain nothing additional by waiting until he reaches age 70. That is because your spouse benefit is based on only his full retirement age benefit that he could have taken at age 66. You will not be awarded a share of the delayed retirement increase that he is getting by putting off retirement until age 70. The process is known as apply and suspend. Each of you apply for retirement benefits at the same time, now, and then after that is done, he immediately suspends his application and he can then wait until age 70 and get the additional retirement benefit (8% each year he waits) and you can begin to collect your 50% spouse benefit immediately. You may also ask to collect your benefit retroactively back 6 months from when you apply for your benefit. However, you cannot get retroactive benefits further back than 6 months. So, it is really critical that you apply as soon as possible---both of you. If you survive your husband, then you will be entitled to a survivor benefit instead of the spouse retirement benefit---and that benefit will be 100% of what he is entitled to or receiving at the time of his passing---which will include the delayed retirement benefit of the 8% per year. Please keep in mind that, even though you have already paid your deposit money over to JustAnswer, until you rate me highly for my service, I will not be paid for having assisted you with your questions. If you have additional questions, you may of course reply back to me and I will be happy to continue to assist you further until your questions have been answered to your satisfaction. I wish you the best in your future. Doug
Hi Svetla, Your spousal benefit will be 50% of what his full age retirement benefit would have been at age 66. You could have taken your benefit at age 66 and it would have been exactly the same as it will be when you take it now, or if you wait until when he reaches 70---your spouse benefit does not increase beyond the 50% of his full retirement age benefit just because he might be waiting for retirement until age 70. Thank you for your kind words. They are appreciated. Please keep in mind that even though you have already paid your deposit money over to JustAnswer, until you rate me highly for my service, I will not be paid for having assisted you with your questions. Thanks again. Have a great day, Doug