I am 68 years old, still working, and not receiving Social…

Hi, my name is ***** ***** I thank you for your inquiry. I have been practicing SS law full time for 10+ years and look forward to assisting you. With regard to your post:
"I am 68 years old, still working, and not receiving Social Security benefits. I want to wait until I am 70 to maximize the benefit. --- I understand.
"My wife's job was eliminated last year, and she is not currently working, and will turn 62 in August.
"We were going to employ the "file and suspend" strategy, where I would file, then suspend until I turn 70, and my wife could draw on the spousal benefits until she reaches her full retirement age of 66.
We visited the local Social Security office last Friday, and were told that we BOTH had to be 66 to use "file and suspend." I believe that they are incorrect, or, giving them the benefit of the doubt, misunderstood what we were trying to convey. ----- Yes and No. You CAN file and suspend so she can file for a spousal IF a spousal is available for her. However, because she is under her FRA, spousal will ONLY be available to her IF her own amount is NOT equal to or greater than her spousal amount. Moreover, if spousal were more, she is still held to have applied early, will be paid the amount on her own record (reduced for taking early) and then the balance to get her to the spousal amount, taken as a spousal boost. Thus,she can never taker her own benefit later, in full, since she "took" it when she applied before FRA.
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Sincerely, ***** ***** Joy, Esq.
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