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I will turn 66 On June 7th. I work and not collecting ss. My…

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I will turn 66 On...
I will turn 66 On June 7th. I work and not collecting ss. My husband has been collecting ss since age 62. Can I still file & suspend and receive 1/2 of my husbands amount and deferrer mine till age 70? Thchanges have us fighting who is right. I say I am because of the grandfather clause.
Submitted: 2 years ago.Category: Social Security
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1/31/2016
Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago
Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13,627
Experience: 22+ years legal exp. - 12+ years owning/operating her own SSD Law practice.
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A file and suspend does not allow you to receive anything. It means you file for benefits and then suspend getting them. Rather, what you can do is simply file a "restricted" application for spousal benefits ONLY, once you are of your FRA. That way you never file for your own benefit at all (so no need to suspend it to defer), only a spousal, then later at 70 switch to your bigger benefit on your own record. Yes, you are grandfathered for this Restricted Application for spousal only - and it will not be available for those that didn't turn 62 before end of 2015. And, your husband is already collecting SS, which triggers your right to collect spousal should you choose. In your case, obviously better to collect something from 66-70 than have to wait til 70 to get that increased amount.

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Social Security Expert: Stephanie O Joy, Esq, Soc. Sec. Attorney replied 2 years ago

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

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

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

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