Social Security

Ask social security questions and get answers ASAP

Ask an Expert,
Get an Answer ASAP!

My wife was 67 when she applied and i applied for my spousal…

Customer Question
My wife was 67...

My wife was 67 when she applied and i applied for my spousal benefit at age 66 (1951 birth date) in 5/17. I plan to apply for my (higher) benefit at age 70 and my wife to then apply for her spousal benefit-did i cut my full benefit by doing this?

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 properly. Is there anything else the Retirement Accountant should be aware of?

No, i just want to be sure i didn't cut off my ability to claim at 70 for full benefit and my wife get 50% of mine at that time. thanks

Submitted: 3 months ago.Category: Social Security
Show More
Show Less
Ask Your Own Social Security Question
Answered in 13 minutes by:
3/29/2018
Social Security Expert: Lane, JD,CFP, MBA, CRPS replied 3 months ago
Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 14,626
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, MBA in Finance, and a BBA, (and hold CFP and CPS designations as well).

My concentration in law school was tax law corporate law and Pension and retirement plans. I’ve been providing Social Security and Medicare advice (along with private pension and retirement plans as well) since 1986

...

I'm reading you question now - Bear with me a second while type up my response. Then if you still have question we can go from there.

Ask Your Own Social Security Question
Social Security Expert: Lane, JD,CFP, MBA, CRPS replied 3 months ago

No, becasue you both were full retirement age when doing what you did, you will receive the delayed retirement credits (8% per uear until age 70).

...

An your is always entitled to any larger benefit that she might receive. It's important to understand that benefits can't be "stacked," as SSA calls it, but if the spousal benefit is higher than her own, she can apply for that and receive.

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: 3,473
3,473 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

3,473 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
My wife is turns 65 in Oct and will be eligible to apply for
My wife is turns 65 in Oct and will be eligible to apply for her ss benefit not too long after wards. I don't plan on applying for mine for another 4 years as I am still working and do not want to tak… read more
keeperumiami
keeperumiami
Sr Financial & Tax Consultant
Bachelor\u0027s Degree
1 satisfied customers
At 66 (birth date 1953) i want to claim a spousal benefit on
at 66 b(birth date 1953) i want to claim a spousal benefit on my wife's (62 birth date 1956) SS benefit. if i file for this will i hurt my age 70 benefit when i claim my benefit and she claims her spo… read more
Lane
Lane
JD,CFP, MBA, CRPS
14,626 satisfied customers
This is a social security question. Born in 1951 I began
This is a social security question.Born in 1951 I began collecting my full SS benefit. My wife who was born in 1952 will begin collecting her full SS in July of this year. We still both work full time… read more
LEV
LEV
Retired
Bachelor's Degree
14,896 satisfied customers
My wife is now applying for social security. Her birth date
My wife is now applying for social security. Her birth date is 11/20/1952. She's not sure whether to apply for benefits starting at age 65 or wait an additional year. She's looking for information for… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
My husband is 67 and I am 64. He filed a "file and suspend"
My husband is 67 and I am 64. He filed a "file and suspend" this past spring, before the SS law change. We are both working. He plans to retire at 70, I plan to retire at 68. Since I have the higher S… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
My wife is 67 and has been collecting social security
My wife is 67 and has been collecting social security benefits based on her earnings history since she was 64. I am 68 and have not yet filed for social security. Does the restricted application for s… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
If I take my benefits ealy and suspend payments and my wife
If I take my benefits ealy and suspend payments and my wife (67) takes early benefits, does her benefit rise to 50% of my check when I start at 70?… read more
Dr. Fiona Chen
Dr. Fiona Chen
President
Ph.D.
1,139 satisfied customers
I was born in 1951 so I have been grandfathered in to the
I was born in 1951 so I have been grandfathered in to the "spouse then worker" benefit which is now considered a loophole. My husband is at full retirement age (66) and is taking his benefits now. His… read more
emc011075
emc011075
Senior Tax Specialist
Bachelor's Degree
16 satisfied customers
I will be 70 in another week. I applied on line in April to
I will be 70 in another week. I applied on line in April to have my retirement benefit start when I'm 70. I hadn't realized that my wife was old enough to claim benefits on my record (she just turned … read more
Lane
Lane
JD,CFP, MBA, CRPS
14,626 satisfied customers
I am currently 65yrs 6 mths. old, and work a full time job. My
I am currently 65yrs 6 mths. old, and work a full time job. My goal is to work until I'm 70 yrs. old, thereby being able to draw the maximum benefit (per my Estimated Benefit amount shown by SS) My Wi… read more
Christopher B, Esq
Christopher B, Esq
Attorney
Juris Doctor
1,847 satisfied customers
I will be 70 this July 2016 and will begin collecting my maximum
I will be 70 this July 2016 and will begin collecting my maximum social security benefit. ($2000 per month). My wife turns 62 on May 24, 2016 (next month). If she elects to collect right away she will… read more
Christopher B, Esq
Christopher B, Esq
Attorney
Juris Doctor
1,847 satisfied customers
I am 67 years old. My wife is 61. I am working full time
I am 67 years old. My wife is 61. I am working full time and my wife is working full time. We each earn more than the social security maximum. I plan on working until age 70. I am not drawing social s… read more
Christopher B, Esq
Christopher B, Esq
Attorney
Juris Doctor
1,847 satisfied customers
My wife will be 66 this June and eligible benefits. I will
My wife will be 66 this June and eligible for full benefits. I will be 66 this December and eligible for full benefits. My wife's benefits will be small, less than half of mine. If my wife files this … read more
Christopher B, Esq
Christopher B, Esq
Attorney
Juris Doctor
1,847 satisfied customers
I turned 67 in Feb. 2016 and I am working full time. My wife
I turned 67 in Feb. 2016 and I am working full time. My wife will be 62 in June 2016 and is not working. We intend on applying for social security benefits sometime after March 2016 (3 months before m… read more
Stephanie O Joy, Esq
Stephanie O Joy, Esq
Soc. Sec. Attorney
Doctoral Degree
3,283 satisfied customers
I will turn 66 in 2017, which will be my full retirement
I will turn 66 in 2017, which will be my full retirement age. A gentleman told me this morning that my wife could receive 1/2 of the husband's monthly SS income if we applied for it this year (2016) b… read more
Christopher B, Esq
Christopher B, Esq
Attorney
Juris Doctor
1,847 satisfied customers
I am 67 years old and just filed and suspended security. My
I am 67 years old and just filed and suspended for Social security. My spouse who is 64 born July 17 ,1951 . Can she apply for spousal benefits now.… read more
LawTalk
LawTalk
Attorney
Juris Doctor
3,071 satisfied customers
I am 66 and will work until age 75 .i will not take social
i am 66 and will work until age 75 .i will not take social security ubtil age 70 my wife is 62 and started taking her social scurity this year should i file now for mins and suspend and could she then… read more
PDtax
PDtax
Owner
Master\u0027s Degree
1 satisfied customers
Hi: I am planning to retire next Septemebr 2014 at age 67
Hi: I am planning to retire next Septemebr 2014 at age 67 - one year beyond my full SS eligibility. At that time, I will be eligible for approx. $2,900 monthly. My wife will be age 62 at that same tim… read more
Megan C
Megan C
Certified Public Accountant (CPA)
Master's Degree
4,582 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