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Good afternoon,I'm Doug, and my goal is to provide you with excellent service today. In order to give you a clear and concise answer, I will need some additional information about the circumstances, please.
1. How can I help you? What is it that you need to know?
1. Are you over the age of 66 and presently married? If not what is your present age?
2. Have you begun to collect your own social security retirement benefit yet?
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You would not be the one filing the restricted application, it would be your spouse. The new laws that go into effect on May 1, 2016 would prohibit the "restricted application" in the future but your spouse would be grandfathered in as your husband is 66 and meets the requirement that he turn 62 by December 31, 2015. This means that if your spouse would like to elect to take only the spousal benefit as opposed to his normal retirement benefit, he can restrict his election to ONLY the spousal benefit. This would allow him to collect the 50% spousal benefit while still gaining credits to his normal retirement benefit from ages 66-70 (the credit increases your benefit approximately 8% per year). Your husband would file for the restricted benefit at full retirement age (age 66) and since he is grandfathered in, he would then get 50% of your retirement benefit (not counting any credits you may have received after full retirement age) and have his retirement benefit continue to grow until age 70. After the law changes, at full retirement age, one would have to take the higher of the spousal benefit and their retirement benefit. One can no longer choose just the spousal benefit and let your normal retirement benefit grow while still taking the spousal benefit.
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