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Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13504
Experience:  19+ years legal exp. - 10+ years owning/operating her own SSD Law practice.
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First the dates. Husband born Sept 1954 wife born Jan 1956.

Customer Question

First the dates. Husband born Sept 1954 wife born Jan 1956. I reach full retirement at age 66, my wife at 66 and 4 months. Both worked entire life.
Question: I (husband) would like to file for SS at age 70 allowing it to increase 8% per year in order to receive a larger monthly check than at age 66....If my wife files for benefits at her FRA of 66+4months can I also file for SS under her benefits (I would be 68) and wait 2 years collecting under her benefits until I reach age 70 at which time I would then file for SS under my increased benefits and also have my wife file for benefits under my claim?
Submitted: 1 year ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 1 year ago.
Hi, my name is ***** ***** I thank you for your inquiry. I have been practicing SS law full time for 10+ years and look forward to assisting you.
"Question: I (husband) would like to file for SS at age 70 allowing it to increase 8% per year in order to receive a larger monthly check than at age 66....---- Excellent.
"If my wife files for benefits at her FRA of 66+4months can I also file for SS under her benefits (I would be 68) ------ Yes, but you must be sure to specify that you are filing ONLY a restricted application - ie restricted to SPOUSAL benefits only.
"and wait 2 years collecting under her benefits until I reach age 70 at which time I would then file for SS under my increased benefits ----- YES.
"and also have my wife file for benefits under my claim? ------- Your wife would only want to file under your record (i.e. spousal) if it were bigger than her own work record. Spousal is a max of 50% of the other person's PIA (not your increased benefit, but your Primary Insurance Amount). Is her own benefit so small that a spousal would be beneficial to her?
I hope this helps! My goal is to provide you with excellent and accurate service – if you feel you have gotten anything less, please reply back, I am happy to address follow-up questions. Kindly rate me "excellent" when you are done. I look forward to assisting you in the future, should you have legal questions. Be sure to start future posts with "To Stephanie O Joy Esq., ONLY" if you want me to specifically answer it.
Sincerely, ***** ***** Joy, Esq.
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