My wife started receiving Social Security benefits in February 1991 based on a date birth of February 12, 1928. We now have found out that her real date is February 12, 1927 (one year older). OK, so, arguably, she could have taken her retirement benefits one year earlier, but she delayed a year. Often, if we delay a year, we gain a higher benefits amount - if we are under full retirement age when we started collecting, we generally suffer a "discount" for taking X months too early. It sounds like your wife took when she thought she was 63, but really, she was 64. It may mean that her benefit has been discounted MORE than it should have been, because they thought she was taking "earlier in age" than she really was.
In 1997, when I turned 65, her benefit was raised to 50% of mine. That is because she became entitled to "spousal benefit" which she could opt for instead of her own, if it was higher than her own. However, when we take spousal, we are still suffering the "discount" that we incurred for taking X months early. Here, she may be gettinga "discount" for X months early, when it should be a smaller discount that would apply for really taking X +12 months early (i.e. "less" early).
We are currently amending her date of birth with Social Security Excellent! I'd bring this to their attention.
My question is if they went back and recalculated her benefit based on
her birth year of 1927 would her benefit be increased of decreased Increased. Definitely not decreased.
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Stephanie O. Joy, Esq.