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dylatess, ATTORNEY
Category: Social Security
Satisfied Customers: 5154
Experience:  37 plus years of SSD practice
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I am the higher earning spouse, but at 60 I am 3.5 years younger

Customer Question

I am the higher earning spouse, but at 60 I am 3.5 years younger than my spouse, who is 63.5. Her 70 year old SS Payout would be 40 percent of mine, less than the 50% spousal payout. Should she claim her own SS right now, then when I reach 66 I file and suspend, she then switches to the spousal benefit? Or does filing for her own SS at 63.5 reduce her 50% potential spousal benefit?
Submitted: 1 year ago.
Category: Social Security
Expert:  dylatess replied 1 year ago.
It would be a financial nightmare for her to file now as it will reduce her eventual spousal benefit.