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Ask Christopher B, Esq. Your Own Question
Christopher B, Esq.
Christopher B, Esq., Attorney
Category: Social Security
Satisfied Customers: 2963
Experience:  associate attorney
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I am 73 years of age and have been collecting benefits since

Customer Question

I am 73 years of age and have been collecting benefits since age 62. My wife will be 66 in March. She qualifies for her own benefits but hasn't started collecting. Is it true that she can begin collecting spousal benefits at age 66? If so, does she have to apply for her own benefits and defer them? I am currently collecting around $1600. monthly. SS just notified my wife that her benefit would be around $1355. at age 66.
Submitted: 1 year ago.
Category: Social Security
Expert:  Christopher B, Esq. replied 1 year ago.

My name is***** and I will be helping you with your question today. This is for informational purposes only and does not establish an attorney client relationship.

Even if he or she has never worked under Social Security, your spouse may be able to get benefits if he or she is at least 62 years of age and you are receiving or eligible for retirement or disability benefits (which you are). She could have been receiving this at age 62 but her benefits would have been decreased. If your spouse qualifies on her own record, social security will pay that amount first. But if she also qualifies for a higher amount as a spouse, she'll get a combination of benefits that equals that higher amount.

If your spouse has reached full retirement age and is eligible for a spouse's benefit and her own retirement benefit, she can choose to receive only the spouse's benefit when she applies online and delay receiving retirement benefits until a later date. If retirement benefits are delayed, a higher benefit may be received at a later date based on the effect of delayed retirement credits (see link to ascertain these credits - https://www.ssa.gov/planners/retire/delayret.html)

Please let me know if you have any further questions and please positively rate my answer as it is the only way I will be compensated for my time by the site.

Expert:  Christopher B, Esq. replied 1 year ago.

I see you have reviewed my answer, do you have any further questions? If not, please please positively rate my answer (there should be smiley faces or numbers from 1-5 next to my answer, a good or excellent rating would be fantastic) as that is the only way I will be compensated by the site for my work. This will not cost you anything extra and this extra step would be appreciated.

Expert:  Christopher B, Esq. replied 1 year ago.

Any chance for a positive rating?