SSA Spousal Benefit

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This topic contains 2 replies, has 3 voices, and was last updated by  etelle 5 days, 19 hours ago.

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    My wife filed SSA benefit under her own record while I am delaying mine until 70. I am older and have higher earning.

    When I file mine at 70, she will switch to spousal benefit.

    What would be her new benefit? Is it 1/2 of my FRA at 66 or 1/2 of my FRA at 66 plus accumulated COLA since 66?

    Also, does it change anything if she file before her own FRA at 66?



    I’m not sure but you may want to review the SS site keeping in mind that there are 2 types of spousal benefits….one while you are alive and another as survivor.

    My guess…… while you are alive, spouse benefit is based your half your PIA at full retirement age x a factor based on her age.



    If your wife claimed SS before reaching full retirement age benefits are permanently reduced.

    • This reply was modified 5 days, 19 hours ago by  etelle.
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