Social Security

Ask social security questions and get answers ASAP

Ask an Expert,
Get an Answer ASAP!

I make in excess of 600.000 per year, i am 66 my wife 65…

Customer Question
I make in excess...

I make in excess of 600.000 per year, i am 66 my wife 65 previously worked for over 25 years and she made approx 70.000 per year, is it better for her to receive ss under my account or separately?

Submitted: 9 months ago.Category: Social Security
Show More
Show Less
Ask Your Own Social Security Question
Answered in 10 minutes by:
9/16/2017
Social Security Expert: emc011075, Tax Adviser replied 9 months ago
emc011075
emc011075, Tax Adviser
Category: Social Security
Satisfied Customers: 3,784
Experience: Tax adviser IRS licensed Enrolled Agent and tax instructor
Verified

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

Both of you will need to check your full retirement age benefits to determine what would be better for her.

If she applies at 65 she will not be able to choose, she will receive the higher benefits she is eligible for, based on her own records or based on your records. But for her to apply for spousal benefits you would have to apply for your own benefits first. If she waits until her full retirement age and you choose to apply for your own benefits (and not to wait until 70), she can still use restricted application option, file for lower spousal and let her own grow until 70 (8% for every year after 66).

You should also consider a health factor: is she in relative good health? Does it make sense to wait until 70 to apply? Or she has several health issues and she needs benefits now?

Ask Your Own Social Security Question
Customer reply replied 9 months ago
if we both file separately they will give her higher amount once they calculate correct
Social Security Expert: emc011075, Tax Adviser replied 9 months ago

When it comes to social security benefits there's no joint or separate application. You will apply for your own benefits and she will apply for her own benefits. Both of you can have benefits calculated based on your own work records or your spouse's records but only one of you can have collect spousal benefits at the same time.

You are at full retirement age so you have a choice to file restricted application (apply for lower spousal benefits and let your own grow until 70). Your spouse, if she applies now before her full retirement age, she will, will get benefits based on her own records or, if you apply for your benefits, she can get benefits based on your records (whichever are higher).

Ask Your Own Social Security Question
Customer reply replied 9 months ago
Guess what I am trying to ask is if she gets sposal as opposed to her own benefits would that be less or more? As I stated previously made approx 600,000 she made around 70
Social Security Expert: emc011075, Tax Adviser replied 9 months ago

I have no way of knowing. We do not have access to your social security accounts to determine her or your estimated benefits.

If she applies at 66 she will be eligible for 50% of benefits you were eligible for at your full retirement age and 100% of her own benefits.

Ask Your Own Social Security Question
Social Security Expert: emc011075, Tax Adviser replied 9 months ago

Any questions? Is there anything else I can help you with today?

Ask Your Own Social Security Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a social security expertLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask dylatess Your Own Question
dylatess
dylatess
dylatess, ATTORNEY
Category: Social Security
Satisfied Customers: 3,467
3,467 Satisfied Customers
Experience: 37 plus years of SSD practice

dylatess is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response...

T.G.WMatteson, IL

I WON!!! I just wanted you to know that your original answer gave me the courage and confidence to go into yesterday's audit ready to fight.

BonnieChesnee, SC

Great service. Answered my complex tax question in detail and provided a lot of additional useful information for my specific situation.

JohnMinneapolis, MN

Excellent information, very quick reply. The experts really take the time to address your questions, it is well worth the fee, for the peace of mind they can provide you with.

OrvilleHesperia, California

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!!

AlexLos Angeles, CA

Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult.

GPHesperia, CA

< Previous | Next >

Meet the Experts:

dylatess

dylatess

ATTORNEY

3,467 satisfied customers

37 plus years of SSD practice

Megan C

Megan C

Certified Public Accountant (CPA)

4,582 satisfied customers

Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level

LawTalk

LawTalk

Attorney

3,071 satisfied customers

I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.

R. Klein, EA

R. Klein, EA

Accountant

334 satisfied customers

Tax & Social Security Benefits specialist

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

233 satisfied customers

Licensed in multiple jurisdictions, experienced business attorney.

AttorneyTom

AttorneyTom

Attorney

16 satisfied customers

Attorney

Stephanie O Joy, Esq

Stephanie O Joy, Esq

Soc. Sec. Attorney

3,283 satisfied customers

22+ years legal exp. - 12+ years owning/operating her own SSD Law practice.

< Previous | Next >

Related Social Security Questions
If spouse has to go in nursing home, doe to dementia? Does
If spouse has to go in nursing home, doe to dementia? Does all. There social security and pension if any, has no savings, does the home take away his money? … read more
ABC Accounting Group
ABC Accounting Group
Bachelor\u0027s Degree
842 satisfied customers
I claimed survival spouse benefits but denied because our
I claimed survival spouse benefits but denied because our marriage last only for 6mos. after he had heart attack.If the requirements at least 9 mos. in marriage, if I dont qualify what other benefits … read more
Ray
Ray
Lawyer
Doctoral Degree
33,031 satisfied customers
My spouse is 70 yrs. old and retired drawing social
My spouse is 70 yrs. old and retired drawing social security. I am 65 yrs. old and working. I have read about a special benefit where I could draw a monthly check from my husbands social security. I n… read more
emc011075
emc011075
Tax Adviser
3,784 satisfied customers
If a spouse is receiving disability benefits and her husband
If a spouse is receiving disability benefits and her husband dies, can she receive part of his social security benefits in addition to her disability … read more
emc011075
emc011075
Tax Adviser
3,784 satisfied customers
Surviving spouse not qualified for pension due to government
Surviving spouse not qualified for pension due to government pension offset. Can son on ssi disability qualifie for part of her pension. She was slow provider for son … read more
Stephanie O Joy, Esq
Stephanie O Joy, Esq
Soc. Sec. Attorney
Doctoral Degree
3,283 satisfied customers
What benefit(s) accrue to the surving spouse of a deceased
what benefit(s) accrue to the surving spouse of a deceased person? Both parties are retired and both receive SS benefits (income.) … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
Under what conditions can a spouse (in this case a wife who
Under what conditions can a spouse (in this case a wife who is receiving her own social security check) receive one half of her husband's social security check which is larger. … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
I want to file on my spouses social security. Is that
I want to file on my spouses social security. Is that benefit expiring on June 1, 2018? … read more
emc011075
emc011075
Tax Adviser
3,784 satisfied customers
Requesting a Social Security Attorney please) My spouse and
Requesting a Social Security Attorney please) My spouse and child were recently added to my SSDI to receive auxiliary benefits. After our appointment with a very kind, and knowledgeable SSA office emp… read more
Stephanie O Joy, Esq
Stephanie O Joy, Esq
Soc. Sec. Attorney
Doctoral Degree
3,283 satisfied customers
Divorcing. Can I obtain some funds from spouse's SS account?
divorcing. Can I obtain some funds from spouse's SS account? … read more
Gerald, Esq
Gerald, Esq
Juris Doctor
3,905 satisfied customers
My child and spouse are receiving auxiliary benefits through
My child and spouse are receiving auxiliary benefits through my SSDI. My spouse is the designated payee for my child. However, both my SSDI benefits, my child's auxiliary benefits and spouse's auxilia… read more
Stephanie O Joy, Esq
Stephanie O Joy, Esq
Soc. Sec. Attorney
Doctoral Degree
3,283 satisfied customers
If your spouse passes, both of u are seniors. Is the
If your spouse passes, both of u are seniors. Is the survivor entitled to … read more
abci168
abci168
Principal
27 satisfied customers
How do I apply to receive spouse's benefits while spoue is
How do I apply to receive spouse's benefits while spoue is currently receiving benefits? … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
Spouse is disabled. Ex-wife is receiving ssdi check in
Spouse is disabled. Ex-wife is receiving ssdi check in behalf of minor child (in excess of child support) Is spouse entitled to this money (he's the disabled one - custody is 50/50) … read more
Bryan M.
Bryan M.
Owner
Masters of Accountancy
148 satisfied customers
Date of Death 08/28.2016..Spouse, ***** ******. Husband was
******- ******* Date of Death 08/28.2016..Spouse, ***** ******. Husband was drawing $1664.00 before death. My SS was $1255. Why is my SS so low AFTER his death? … read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
How to precede after spouse has died. My spouse has died.
My spouse has died. How to apply for benefits? I already receive a small benefit … read more
Barbara
Barbara
Enrolled Agent, Paralegal
5,263 satisfied customers
How do I apply for death benefit of spouse, My spouse passed
My spouse passed away 12-9-17. I'm told there is a $250 burial benefit payable to the surviving spouse. … read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
If a spouse dies and the deceased spouse ss has been
If a spouse dies and the deceased spouse ss has been activated and the others has not, can the surviving spouse collect the ss of the deceased until 70 when they then activate their own ss? They make … read more
emc011075
emc011075
Tax Adviser
3,784 satisfied customers
Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Show MoreShow Less

Ask Your Question

x