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Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13523
Experience:  19+ years legal exp. - 10+ years owning/operating her own SSD Law practice.
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I will be 66 yrs old (FRA) next January 6th, 2017. My wife

Customer Question

I will be 66 yrs old (FRA) next January 6th, 2017. My wife will be FRA on May 22, 2019. If I apply for retirement benefits, will my wife be able to file a restricted application for spousal benefits? Allowing her to wait until age 70 to claim her own increased retirement benefit ?
Submitted: 11 months ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 11 months ago.

Hi, my name is***** and I am here to assist you. I am a social security attorney in my private practice – that is ALL I do. Please let me know that my post here is coming through for you by typing a quick reply.

Expert:  Stephanie O Joy, Esq replied 11 months ago.

By your dates, your wife turned 62 on May 22, 2015. That means she turned 62 before end of 2015... which, fortunately, means she is grandfathered under the newer law that eliminates restricted applications for spousal benefit. So, YES, if you file on or before her FRA, she can then file a restricted application, collecting 1/2 of your amount as spousal, while she defers her own for another 4 years. A wonderful strategy that can put more retirement bucks into your lives - and I am glad you are grandfathered.

Expert:  Stephanie O Joy, Esq replied 11 months ago.

I hope this helps! My goal is to provide you with excellent and accurateservice – 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 aredone. 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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