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Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13521
Experience:  19+ years legal exp. - 10+ years owning/operating her own SSD Law practice.
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If my husband starts to claim social security benefit at age

Customer Question

if my husband starts to claim social security benefit at age 63 so I can take dependents benefits at age 63 (we are at the same age.) Then, my husband will suspend his benefit right away and reclaim his benefit at age 70. Will my dependents benefit increase based on his higher benefit at age 70? Or my dependents benefit will remain the same permanently as I claimed at age 63?
Submitted: 1 year ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 1 year ago.

Good morning and Happy Thanksgiving to you. With regard to your post:

"if my husband starts to claim social security benefit at age 63 so I can take dependents benefits at age 63 (we are at the same age.) ------ He can file for his own, yes.

"Then, my husband will suspend his benefit right away and reclaim his benefit at age 70. ------- No, he can not "suspend" unless he is at least his own full retirement age. That is not a new rule, but existed prior the recent legal changes.

"Will my dependents benefit increase based on his higher benefit at age 70? No, when we file for a spousal benefit, it is based on his PIA (primary insurance amount) excluding any delayed retirement credits he may earn via his own chosen deferment.

Or my dependents benefit will remain the same permanently as I claimed at age 63? ------- Yes, your will only change via any COLA in future years.

Expert:  Stephanie O Joy, Esq replied 1 year ago.

I hope this helps! My goal is toprovide you with excellent and accurateservice – if you feel you have gotten anything less, please reply back, Iam happy to address follow-up questions.

Kindly rate me "excellent"when you are done. I look forward to assisting you in the future, shouldyou have legal questions. Be sure tostart future posts with "To ***** Esq., ONLY" ifyou want me to specifically answer it.

Sincerely, ***** ***** Joy, Esq.

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Expert:  Stephanie O Joy, Esq replied 1 year ago.

Hello again. It is month end -Please, if you haven't yet had the opportunity to do either of the items below, I ask that you do so now, because itis the only way I can receive credit for time spent with you. Please:

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Sincerely,

StephanieO. Joy, Esq. – Your Online Legal Professional