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Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 10097
Experience:  Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986
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I am currently drawing Social Security benefits on my own

Customer Question

I am currently drawing Social Security benefits on my own account. I net $1206 after a Medicare deduction of $105. Can I also get Spousal benefits?
My husband retired at 65 not realizing his full retirement age was 66.5. He nets $1610 after a $105 deduction for Medicare AND a $400 deduction to pay back soc. sec. payment he received while working after hr turned 65. (He earned $15,000 which they say he must pay back to them at the rate of a deduction in benefits of /$400 per month for I believe it's about 4 years.)
Submitted: 5 months ago.
Category: Social Security
Expert:  Lane replied 5 months ago.

Hi,

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So sorry, but benefits cannot be "stacked," as Social Security puts it.

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If a spousal benefit (1/2 of the other spouses benefit) is LARGER than one's own work record benefit, then Social Security will raise your benefit TO that higher amount.

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(Same thing happens again at death - where the SURVIVOR benefit can be 100% of deceased spouse's benefit)

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But in both cases, your benefit will only be raised TO that higher level, not added on top of your won benefit.

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Expert:  Lane replied 5 months ago.

See this from Social Security (Here: https://www.ssa.gov/planners/retire/applying6.html#&a0=0)

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"If you qualify for benefits on your own record, we will pay that amount first. If the benefit on your spouse’s record is higher, you'll get an additional amount on your spouse’s record so that the combination of benefits equals that higher amount."

Expert:  Lane replied 5 months ago.

Again, so sorry to be the messenger here.

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I hope you’ll rate me (using those stars, or faces on your screen, by clicking submit) based on thoroughness and accuracy, rather than any good news / bad news content. Otherwise I’m working for no crediting at all here.

Thank you!

Lane

I hold a law degree (JD, Juris Doctorate), with concentration in Tax Law, Estate law & Corporate law, an MBA, with specialization in finance & tax, as well as CFP® and CRPS designations. - I’ve been providing financial, Social Security/Medicare, estate, corporate, both for-profit and non-profit, and tax advice, since 1986

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