SSA Spousal Benefit

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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 2 years, 10 months ago by etelle.

    If she files for her own benefit and if you were born before Jan 2, 1954, you may file a restricted application that allows you to draw a spousal benefit of 50% of her PIA while your benefits accrues delayed retirement credits at 8% per year up to age 70 when you’d switch to your benefit. But your spouse must file for her benefit first.

    When you switch to your benefit at 70 she will receive the greater of her benefit or 50% of your PIA. The PIA is the benefit you would receive if you began at your Full Retirement Age.

    If you pre-decease her she will switch to your benefit if she has at least attained her Full Retirement Age. If she had not attained her FRA and elects to begin the survivor benefit, it will be reduced by about .067% per month begun early.

    Hope that helps


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