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Phillips Esq.
Phillips Esq., Attorney-at-Law
Category: Social Security
Satisfied Customers: 17522
Experience:  B.A.; M.B.A.; J.D.
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My wife turned 62 in 2015 and has started collecting SS

Customer Question

My wife turned 62 in 2015 and has started collecting SS benefits. I am 67 years old and I am currently collecting the spousal benefit (50% of my wife's FRA amount). My intention is to collect the 50% spousal benefit until I turn 70. After I turn 70, I will begin collecting my own maximum benefit. Will I still be eligible to receive the 50% spousal benefit or will it go away?
Submitted: 9 months ago.
Category: Social Security
Expert:  Phillips Esq. replied 9 months ago.

You will not get two separate benefits. This is how it works: if you are eligible to receive benefits under your own earnings and also under your wife's earnings, Social Security Administration ("SSA") would pay you benefits under your own earnings first. However, if you would receive higher benefits under your spouse's earnings, SSA would pay you a combination of benefits equaling the higher spousal benefits. You would only receive one benefit and not two separate benefits. For more information. click on the link below:

https://www.ssa.gov/planners/retire/applying6.html#&a0=0