I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.
Yes, he can file now for his own benefit and then later switch to a spouse benefit when you take your own retirement benefit.
Here is how it would work:
Let’s say his Primary Insurance Amount (PIA---the value of his retirement benefit had he waited to 66 to apply) is $1,000. He filed for his own benefit at 62 and received a reduced retirement benefit of $750 per month.
You had a PIA of $2500. At 66 or later he is eligible to receive one-half of your PIA. $2500 (your PIA); divided by two, that equals $1,250 (This is his full spouse’s rate). Social Security will subtract from the $1250 (the full spouse’s rate) – $1000 (her PIA) = $250.
Social Security will add that $250 to his reduced retirement benefit amount of $750 and his new spouse benefit amount at full retirement or after age will be $1,000, which is a bit less than the full spouse’s rate, but hundreds more than he is presently receiving.
So, it will be worth his while to go to social security when you take your benefit and if he can benefit by switching to a spouse benefit, they will process that application for him.
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