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My wife and I are both 63. I'm 6 mos. younger. I was born in
My wife and I are both 63. I'm 6 mos. younger. I was born in Nov. and my wife was born in May., both in 1954. Wife opted to take her's at 62, which amounted to $780 / mo.. When I take mine at full ret… read more
Lev
Lev
Retired
Bachelor's Degree Equivalent
41,353 satisfied customers
Looking to maximize social security benefits. My DOB -
My DOB - 4/2/52 Wifes DOB 5/20/52 She is no longer working and we need to apply for her benefits. I plan on working till age 70. Does file & suspend or any other strategy get us more than just her filing for her own benefits now at age 65? … read more
Lev
Lev
Retired
Bachelor's Degree Equivalent
41,353 satisfied customers
Retirement income options. I have three different answers
Retirement income options. I have three different answers from the Social Security administration. … read more
Stephanie O Joy, Esq
Stephanie O Joy, Esq
Soc. Sec. Attorney
Doctoral Degree
3,379 satisfied customers
I want to know when the best time to apply for SS benefits
I want to know when the best time to apply for SS benefits for my wife, who is 64 (DOB 6/17/52). If she was to wait until 66 she would earn about $800. I am 63 (DOB 12/25/53) and would earn about $2,9… read more
Lev
Lev
Retired
Bachelor's Degree Equivalent
41,353 satisfied customers
I will turn 70 in August and my wife just turned 63. If I do
I will turn 70 in August and my wife just turned 63. If I do not want to receive my benefits until age 70, I have been told that I must "file and suspend" in order to protect my wife's right to receiv… read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
16,514 satisfied customers
I am 78 and receiving social security benefits. My wife is
I am 78 and receiving social security benefits. My wife is 64 born 3/4/52 and has not applied for SS benefits. How can we take advantage of the "file and suspend" strategy? She is working and has soci… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
My question is in regards to the upcoming, Sorry, I t a
Hi ***** *****, my question is in regards ***** ***** upcoming … read more
Stephanie O Joy, Esq
Stephanie O Joy, Esq
Soc. Sec. Attorney
Doctoral Degree
3,379 satisfied customers
I wanted to ask you what action you recommend to obtain the
I wanted to ask you what action you recommend to obtain the maximum SS benefit in the following scenario: I reached FRA in January of this year and received my first SS check this month. My wife will … read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
16,514 satisfied customers
I am 67 and full time employed. I plan to work past age 70.
I am 67 and full time employed. I plan to work past age 70. My wife is 63 and full time employed and is planning to work until age 65. Can I "File and Suspend" and my wife receive spousal benefits?… read more
Stephanie O Joy, Esq
Stephanie O Joy, Esq
Soc. Sec. Attorney
Doctoral Degree
3,379 satisfied customers
I will turn 66 in 2017, which will be my full retirement
I will turn 66 in 2017, which will be my full retirement age. A gentleman told me this morning that my wife could receive 1/2 of the husband's monthly SS income if we applied for it this year (2016) b… read more
Christopher B, Esq.
Christopher B, Esq.
Attorney
Juris Doctor
16,514 satisfied customers
I understand that if I file and suspend my wife can then
I understand that if I file and suspend my wife can then file for spousal benefits. I'm a year past my FRA of 66. She is 4 months short of her FRA of 66. Question is what would her benefit be based on… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
Wife filed own retirement benefits at age 62, receiving a
Wife filed for her own retirement benefits at age 62, receiving a reduced benefit amount. If she suspends her own benefits at her Full Retirement Age (66) then claims Spousal Benefits from her husband… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
My wife is 65 years old now and has been receiving social
My wife is 65 years old now and has been receiving social security benefits based on the spousal benefits at 50% of my benefit amount when I reached 66 last year. I deferred my benefit payment until 7… read more
Stephanie O Joy, Esq
Stephanie O Joy, Esq
Soc. Sec. Attorney
Doctoral Degree
3,379 satisfied customers
Wife began taking reduced retirement social security benefit
Wife began taking reduced retirement social security benefit at 62. As significantly higher income earner I plan to "file and suspend" at 66 and receive benefits at 70. For my wife to maximize spousal… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
My spouse is 66 and is retiring at the end of May and has applied
My spouse is 66 and is retiring at the end of May and has applied for social security under her own account. I am also 66 and plan to continue working indefinitely, but have applied for the spousal be… read more
PDtax
PDtax
Owner
Master's Degree
6,508 satisfied customers
Confused about spousal benefits. I'm about to be 66. FRA. Is
Confused about spousal benefits. I'm about to be 66. FRA. Is my wife (63) entitled to spousal benefits of half my benefit? Thinking I could let her benefit grow until she's 70 and have her take the sp… read more
R. Klein, EA
R. Klein, EA
Tax Advisor
Master's Degree
3,228 satisfied customers
My question is about the apply and suspend rules. My wife is
My question is about the apply and suspend rules. My wife is 3 years younger than me. I am 63. We have both worked all our lives and therefore both eligible for our own benefits. My question. Can I ap… read more
Megan C
Megan C
Certified Public Accountant (CPA)
16,632 satisfied customers
I am a male. By birth date is 04/23/1945. I expect to work
I am a male. By birth date is 04/23/1945. I expect to work to age 70. My current estimated SS at age is $2,617, and at age 70 is $3,329. I will earn about $225,000 per year until age 70. My spouse's b… read more
Stephanie O Joy, Esq
Stephanie O Joy, Esq
Soc. Sec. Attorney
Doctoral Degree
3,379 satisfied customers
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Meet the Experts:

dylatess

dylatess

ATTORNEY

3,610 satisfied customers

37 plus years of SSD practice

Megan C

Megan C

Certified Public Accountant (CPA)

16,632 satisfied customers

Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level

LawTalk

LawTalk

Attorney

3,071 satisfied customers

I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.

Arthur Rubin

Arthur Rubin

Tax Preparer

178 satisfied customers

Over 20 years experience in tax preparation, including some multi-national Social Security applications.

AttorneyTom

AttorneyTom

Attorney

16 satisfied customers

Attorney

Christopher B, Esq.

Christopher B, Esq.

Attorney

16,514 satisfied customers

Attorney licensed for 17 years specializing in various fields.

Stephanie O Joy, Esq

Stephanie O Joy, Esq

Soc. Sec. Attorney

3,379 satisfied customers

25+ years legal exp. - 15+ years owning/operating her own SSD Law practice.

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Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

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