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Ask Lane Your Own Question
Category: Social Security
Satisfied Customers: 12670
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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My wife is 66 and I am 65. Can she file for her personal ss

Customer Question

My wife is 66 and I am 65. Can she file for her personal ss benefits now, then refile for spousal benefits (which will be higher than her personal benefits) when I turn 70 and begin receiving my benefits?
Submitted: 11 months ago.
Category: Social Security
Expert:  Lane replied 11 months ago.

Hi ... My name's Lane ... I can help with this one


Yes, because your wife’s birthday is ***** 1 1954 or earlier, she is grandfathered under the changes made to the filing strategies by the Bi-partisan Budget amendment.

But HERE where it’s spousal benefits that are desired LATER (as opposed to the more commonly requested spousal now and let their own grow) this is always possible.

Although benefits cannot be “stacked,” as SSA puts it, they will always pay the higher benefit (by paying a combination of benefits) that takes the individual UP TO the higher amount

Expert:  Lane replied 11 months ago.

You can see that here (under "How much will I receive"):



Please Let me know if you have ANY questions, before rating me.

But if this HAS helped, and you don’t have more questions on this, I’d appreciate a positive rating (by using those stars on your screen, and clicking submit)

Thank you,


I have a law degree, (Juris Doctorate), with electives in Tax Law, Estate law & Corporate law, an MBA, with specialization in finance a BBA, and CFP & CRPS designations, as well - I’ve been providing financial, Social Security/Medicare, estate, corporate, non-profit, and tax advice, since 1986

Expert:  Lane replied 10 months ago.



I’m just checking back in to see how things are going.


Did my answer help?

If this HAS helped, and you DON’T have other questions … I'd appreciate a positive rating (using the stars or faces on your screen, and then clicking “submit")


But if you need more on this, please let me know.