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PDtax
PDtax, CPA firm owner
Category: Social Security
Satisfied Customers: 4104
Experience:  35 years tax and professional advice in all matters money
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I am 89 years old. My monthly SS before deductions is $2,393.90. My

Customer Question

I am 89 years old. My monthly SS before deductions is $2,393.90.
My wife is 87 years old. Her monthly SS before deductions is $1,048.90. My understanding is she is entitled to one-half as much as mine which would be $1,196.95. This would be $524.45 more per month. Is this correct?
Submitted: 1 year ago.
Category: Social Security
Expert:  PDtax replied 1 year ago.
Hi from just answer. I'mCustomer and can assist.
Expert:  PDtax replied 1 year ago.
You are likely correct, but the answer depends on a few things.
Expert:  PDtax replied 1 year ago.
For example, did your wife claim benefits early? That discount would apply to spousal benefits.
Expert:  PDtax replied 1 year ago.
And I see an error in your math as well. Her 50% spousal benefit would be at most 1196.95, for a possible adjustment of $148.05.Please review her enrollment date to see if an early claim discount might have already been applied. If she is entitled to the full spousal benefit, contact SSA to apply.
Expert:  PDtax replied 1 year ago.
Thanks for asking at just answer. Positive feedback is appreciated. I'mCustomer