Whoaa how complicated for us to understand but also for you to exstrapolate and interpret for us. It can be a little twisting on the brain, for sure.
My wifes full SS if she retired at 66 will only amount to approx 890.00 per month while if she retires at 62 this year it would be approx 670.00, not a significant difference. I think it is a significant difference as a %, butperhaps you are saying that $220/mo is not a big loss dollar wise. I can undertsand that. But do remember that there will be a time when you are not working, and you may feel every $100 you don't have in a way you don't feel it now.
I will be 66 next year and my SS at that time will be approx 1700.00 per month and if I am able to continue working until 70 it would be in excess of 2,500.00 per month. Yes, that is my hoped for plan myself.
Therefore we come to the continued confusion that is still in our minds:
If she takes her pension now (62) at $670 - will the amount she collects from the spousal (me) be effected by her early retirement?.Yes. Basically it will be LESS the $220. Because her "discount" (penalty for taking early) always remains - if not, we'd all take early and make more. If your PIA is $1700, her full spousal would be $850. This is actually less than her own PIA which is $890. This makes her spousal portion in the negative. $850-$890=-$40. So, she would not be opting for spousal at all, only her own, at $670 should she take early or $890 should she delay.
Will spousal amount change or stop when I retire at 66 or later? No, it will be based on your PIA amount and her PIA amount and will not reflect your added "delayed retirement credits" should you continue to work beyond 66. That delay will be good for your end amount, but that doesn't transfer to her spousal.
If I use file suspend at 66 would it make any difference in what she will collect from my spousal. No.
Thank you for your patience and assistance...My pleasure.
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