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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 am 66 not yet taking benefits. my wife is 71 and has lower

Customer Question

i am 66 not yet taking benefits. my wife is 71 and has lower benefits that she started at age 64. Can she suspend hers and start taking my higher benefits?
If i keep working until 70 will my benfits keep rising?
thanks, Ron ********
Submitted: 11 months ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 11 months ago.

Good morning Ron,

With regard to your post:

"i am 66 not yet taking benefits. my wife is 71 and has lower benefits that she started at age 64. Can she suspend hers and start taking my higher benefits? ----- She can't "take" your benefits, but she can take a spousal benefit based on your work record. It will be something less than 50% of your primary insurance amount because she collected retirement early and that continues to effect her a bit.

"If i keep working until 70 will my benfits keep rising?" ------- Yes, you will earned delayed retirement credits, so that your benefit will be 32% higher than your PIA if you wait til 70 to collect.

Expert:  Stephanie O Joy, Esq replied 11 months ago.

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Expert:  Stephanie O Joy, Esq replied 10 months ago.

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