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My spouse will be 66 in May. She retired at age 62 and is…

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My spouse will be 66...
My spouse will be 66 in May. She retired at age 62 and is currently receiving a SS benefit based on her work. I will be 64 in July and still work with no intention to retire.
Question; can my wife receive SS based on my earnings and not hers? It would be significantly higher I suspect.
Submitted: 1 year ago.Category: Social Security
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Answered in 7 minutes by:
3/21/2017
Social Security Expert: keeperumiami, Senior Tax Expert & Financial Planner replied 1 year ago
keeperumiami
keeperumiami, Senior Tax Expert & Financial Planner
Category: Social Security
Satisfied Customers: 7,469
Experience: Sr Tax Expert/Financial PlannerCPA/PFS (retired)Over forty years of advising individuals & small businesses
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Hello, my name is***** goal is to give you a complete & accurate answer. I am working on your request now & I will respond as soon as possible.

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Social Security Expert: keeperumiami, Senior Tax Expert & Financial Planner replied 1 year ago

Her Spousal benefit based upon your earnings record would only be approximately 35% of your full retirement benefit at your full retirement age of 66.

Spousal benefits are normally 50% of the other spouse's full retirement benefit; however, since she filed for her own benefit early, the spousal benefit would also be reduced to approximately 70% of her spousal benefit, the same amount that her own benefit was reduced by. The math works out to 100% of your benefit x 50% = 50% x 70% = 35% of your full retirement benefit.

That also presumes you have reached full retirement age and/or you must have filed for your own retirement benefits.

Steve G.

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