SSA Spousal Benefit Home › Fairmark Forum › Retirement Savings and Benefits › SSA Spousal Benefit This topic contains 2 replies, has 3 voices, and was last updated by etelle 5 days, 19 hours ago. Viewing 3 posts - 1 through 3 (of 3 total) Author Posts March 14, 2019 at 5:48 pm #3092 b1_leeParticipant 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? March 15, 2019 at 3:04 am #3093 kaneoheParticipant 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. March 15, 2019 at 4:28 pm #3095 etelleParticipant 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. Author Posts Viewing 3 posts - 1 through 3 (of 3 total) You must be logged in to reply to this topic.