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PDtax
PDtax, CPA firm owner
Category: Social Security
Satisfied Customers: 4184
Experience:  35 years tax and professional advice in all matters money
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I am 71, working full time and are receiving social security

Customer Question

I am 71, working full time and are receiving social security benefits. Can my spouse, who is 64 and working apply for 50% of my benefits if she defers her payment until she is 70 and so my benefits remain the same.
Submitted: 1 year ago.
Category: Social Security
Expert:  PDtax replied 1 year ago.

Hi from just answer. I'm PDtax, and can assist.

Expert:  PDtax replied 1 year ago.

She can apply for s spousal benefit, but she will not be eligible for a full 50% spousal benefit until she teaches full retirement age herself. Her benefit would be reduced by some 14% or so for claiming at age 64.

Expert:  PDtax replied 1 year ago.

Your benefits would remain the same. Her benefits would continue to grow on her own work record, and she can claim her own benefit later on.

Expert:  PDtax replied 1 year ago.

Thanks for asking at just answer. Positive feedback is appreciated. I'm PDtax.