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emc011075
emc011075, Tax Adviser
Category: Social Security
Satisfied Customers: 3000
Experience:  Tax adviser IRS licensed Enrolled Agent and tax instructor
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I'm 67 and my wife is turning 65 on June 7th. I was planning

Customer Question

I'm 67 and my wife is turning 65 on June 7th. I was planning to delay filing till 70 but should I file before the April 30 deadline and then suspend in order to take advantage of her option before April 30th.
Submitted: 1 year ago.
Category: Social Security
Expert:  emc011075 replied 1 year ago.
Hi. My name is ***** ***** I will be happy to help you. Yes, if you want her to be eligible for spousal benefits, you have to file and suspend to keep the option open for her. If you don't, you would have to file for yours before she could apply for spousal.
Expert:  emc011075 replied 1 year ago.
Since she is 63, her restricted benefits (collect spousal and let her own grow) will be grandfathered, she can apply for it as soon as she turns 66 (assuming her full retirement age)