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I am 65 years old. My husband is a little younger and is not…

Customer Question
I am 65 years...

I am 65 years old. My husband is a little younger and is not taking social security yet. Can I collect social security on my own (which will probably be minimal) and then re-apply when my husband applies for social security to get the bigger portion based on his?

Accountant's Assistant: The Retirement Accountant will know how to help. Is there anything else the Retirement Accountant should be aware of?

Not that I can think of

Submitted: 10 months ago.Category: Social Security
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Answered in 5 minutes by:
10/3/2017
Social Security Expert: Lane, JD,CFP, MBA, CRPS replied 10 months ago
Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 14,910
Experience: Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986
Verified

HI, MY NAME’S LANE - I hold a law degree (J.D.), with concentration in Tax Law, Estate law & Corporate law, an MBA in finance, a BBA, and CFP & CRPS (Chartered Retirement Plans Specialist) designations, as well - I’ve been providing financial, Social Security/Medicare, estate, corporate, non-profit, and tax advice 1986.

...

Yes, you can. By taking your own early, there IS, however a formula (called the excess spousal benefit formula) that will apply. Let me give you an example

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Normally the spouse's benefit is 50% of the spouse's Full Retirement Age (FRA) benefit amount, reduced if the spouse claiming the spousal is filing for benefits early.

...

But again, if one spouse is already receiving their own benefits, and later becomes eligible for (or has already been eligible and decides to file for) a spousal benefit, there is a formula that is used to determine what amount of spousal benefit (if any) they may receive.

...

Let's work through an example. Let’s say that the younger spouse claimed at 62. Her FRA amount was $800, but because she claimed early she received $600 per month in benefits. ($800/.75 represents the reduction she receives for claiming before her FRA.) The older spouse will claim when he turns 66. His PIA is $2,100.

...

To get the amount that can be added to your wife’s benefit when filing for spousal benefits, take the older spouse's FRA amount divided by 2, minus the younger spouse's FRA amount. $2,100/2 = $1,050 - $800 = $250.

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When her husband files for benefits and she becomes eligible for a spousal, that $250 gets added to what she is currently receiving so her monthly benefit will go from $600 to $850 at that time.

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If she had waited until her own FRA to file benefits, she would have received the full spousal benefit of $1,050, as that would have been higher than her own FRA benefit amount of $800.

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Of course she would have had to forego the first four years of benefits in order to then receive the higher amount. In this particular case, it likely made sense for her to file early.

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Lane
Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 14,910
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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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