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Ask Stephanie O Joy, Esq Your Own Question
Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13283
Experience:  19+ years legal exp. - 10+ years owning/operating her own SSD Law practice.
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I receive retirement benefits and started early at age 63+.

Customer Question

I receive retirement benefits and started early at age 63+. If my spouse also retires early @ age 63 instead of age 66 plus 2 months, can she claim spousal benefits off of my social security? If she claims early on mine but waits till she is 67 to claim her own will that benefit be reduced?
Submitted: 1 year ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 1 year ago.
If she is over 62 but younger than her FRA, and if her 'spousal' amount is greater than her own amount alone, she can collect the spousal amount, which will be made up of her reduced 'own' amount plus a spousal boost. She can't claim an 'early' spousal amount (prior to her FRA) without also taking her own 'early.' If she doesn't want her own, then she must wait until at least her FRA to collect at all.
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mso-hansi-theme-font:minor-latin;}I hope this helps! My goal is to provide you with excellent and accurate service &ndash; 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.Your online legal resource!{C}