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dylatess
dylatess, ATTORNEY
Category: Social Security
Satisfied Customers: 3441
Experience:  37 plus years of SSD practice
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My wife, age 67, started receiving her SS benefits at age 62.

Customer Question

My wife, age 67, started receiving her SS benefits at age 62. I am 68 and have not file for benefits yet. If I file for my SS monthly benefit, but immediately suspend them, can my wife file for spousal SS benefits based on my what my monthly benefit would be?
Submitted: 2 years ago.
Category: Social Security
Expert:  Taxtom replied 2 years ago.
Hello, Yes you can suspend your benefits and your wife would be entitled to her benefit or a spouse benefit (1/2 of your benefit) which ever is greater. Since a spouse benefit is a combination of hers and your benefit her spouse benefit will be reduced because she took her benefit at 62. When you reach 70 your benefit will start automatically.Thank You Tom
Customer: replied 2 years ago.
Will the amount of my benefit be based on age 70 or age at time of suspension (68)? And then what rate will my wife's be?
Expert:  Taxtom replied 2 years ago.
At age 70, it does not lock in your benefit amount. Your wife would receive the benefit based at the time of suspension.