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Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 12035
Experience:  Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986
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Once my wife receives spousal benefits must she give up her

Customer Question

Once my wife receives spousal benefits must she give up her own social security monthly payments?
Submitted: 1 year ago.
Category: Social Security
Expert:  Lane replied 1 year ago.
Yes, so sorry, benefits cannot be "stacked."...See this from Social Security:..."If you qualify for benefits on your own record, we will pay that amount first. If the benefit on your spouse’s record is higher, you'll get an additional amount on your spouse’s record so that the combination of benefits equals that higher amount."...You can see that here, on SSA's site:...https://www.ssa.gov/planners/retire/applying6.html#&a0=0
Expert:  Lane replied 1 year ago.
Spousal benefits if taken at full retirement age are 1/2 of the worker's benefits....So if your benefit is, say, 1500/mo and she is receiving 500/mo on her own record....Once you file and she can receive spousal benefits, here total benefit will rise to 750
Expert:  Lane replied 1 year ago.
Please let me know if you any questions at all... I hope you’ll rate me (using those stars, or faces on your screen, and clicking submit) based on thoroughness and accuracy, rather than any good news / bad news content. …Otherwise, I’m working for no crediting here at all.. …But if there’s something you don’t understand, or you need clarification, please let me know…Thank you!Lane……I hold a law degree (JD, Juris Doctorate), with concentration in Tax Law, Estate law & Corporate law, an MBA, with specialization in finance & tax, as well as CFP® and CRPS designations. - I’ve been providing financial, Social Security/Medicare, estate, corporate, both for-profit and non-profit, and tax advice, since 1986
Expert:  Lane replied 1 year ago.
DId you see my answer?
Expert:  Lane replied 1 year ago.
Hi,...I’m just checking back in to see how things are going...Did my answer help?...Let me know…...Thanks,Lane