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dylatess, ATTORNEY
Category: Social Security
Satisfied Customers: 3441
Experience:  37 plus years of SSD practice
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I recently brought home a document I downloaded from Social

Customer Question

I recently brought home a document I downloaded from Social Security that had a chart explaining that my full retirement age is 66. On the section entitled "How Your Social Security Benefit is Reduced", my wife (whose full retirement age is also 66) says that since she is my spouse her retirement will be reduced to 50%, instead of the 100% pf the full wage earner. She is under the impression that she will not get her 100% retirement benefit, even though she has worked since she was 17. I told her she is incorrect. Could you please give her a correct answer?
Submitted: 1 year ago.
Category: Social Security
Expert:  emc011075 replied 1 year ago.

Hi. My name is ***** ***** I will be happy to help you.

If she wait until her full retirement to apply for her benefits, she will actually have a choice to apply for "restricted" spousal only benefits (50% of your benefits) and let her own benefits grow by another 8% OR take her own benefits (100% based on her own records). Because she was born before 1953, she still have this choice.

At 70 SSA will automatically switch her to the highest benefits available to her: her own, spousal or surviving.