Thank you for your question, my name is XXXXX XXXXX X would like to help you tonight
When your wife files for benefits early, her benefit is forever reduced, whether it be a benefit based on your record or her own record
However, if her entitlement on your record is greater than what she draws on her own, she can get the increased benefits
If you wanted to draw a spousal benefit and allow your own benefit to grow, you will be able to do that at full retirement age only. Also, she cannot get a spousal benefit until you file for your own benefit.
so in order to sustain no reduction, she must wait to 66 to receive her full benefit, but will only be entitle to ss based on my history 5 years later when i become eligible.
That is correct - she can't draw a benefit off your record, until you start drawing your own benefit
and i canot draw on her benefit until i am eligible for my own?
You can draw on her benefit starting at age 66. You cannot draw a spousal benefit early and allow your own benefit to grow, unfortunately
You're welcome. Is there anything else that you need tonight?
no thank you.