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Both my husband and I receive social security. I claim on my…

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Both my husband and...

Both my husband and I receive social security. I claim on my own and he on his. he is 76 I am 73. We both signed up collecting on our own benefits. Someone mentioned to me that I should be getting at least 50% of my husbands benefit if I claim on his. Claiming on my own the amount does not equal what 50% of his would be. Can I change and collect on his social security. There is about 200 difference.

Accountant's Assistant: These retirement benefits are supposed to help us but they can be so complicated! The Retirement Expert will help you get the most benefits propertly. Is there anything else the Retirement Accountant should be aware of?

I am still working part time, earning about 14,000 per year.

Submitted: 5 months ago.Category: Social Security
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Answered in 21 minutes by:
3/7/2018
Social Security Expert: keeperumiami, Senior Tax Expert & Financial Planner replied 5 months ago
keeperumiami
keeperumiami, Senior Tax Expert & Financial Planner
Category: Social Security
Satisfied Customers: 7,473
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 5 months ago

Well, you can apply for Spousal Benefits, but the total amount of that benefit will equal 50% of what your husband's full retirement benefit would have been at his full retirement age, not 50% of what he is currently receiving now, depending upon when he started receiving his retirement benefits.

For example, if he deferred collecting his retirement benefits beyond his full retirement age, his retirement benefits would have been permanently increased by 8% for each year that he deferred collecting his retirement benefits. Your Spousal Benefit would not include 50% of those benefit enhancements.

The best way to determine your options, including the amount of your total Spousal benefit based upon your husband's earnings record is to make an appointment with your local Social Security office and meet with a Benefits Counselor to go over the computations and see if it makes sense to apply for Spousal Benefits.

I'll give you a link where, using your ZipCode, you can find the address and telephone number of the closest local Social Security office.

https://secure.ssa.gov/ICON/main.jsp

Let me know if you have any follow-up questions.

Please remember to rate my response as that is the only way the SITE will credit me with assisting you this evening.

Thanks very much,

Steve G.

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