My husband is 66 and collects Social Security. When I retire at FTA 66 in two years can he collect spousal Social Security. My amount will be the...

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Customer

My husband is 66 and collects Social Security. When I retire at FTA 66 in two years can he collect spousal Social Security. My amount will be the larger amount. I realize it will a portion but still much larger than he collects .

Last updated
Victor Santucci EA
Social Security Advisor

Hello and welcome to ExpertHelp.com! My name is Victor Santucci EA and I'm going to do everything in my power to answer your question to your full satisfaction!

I’m available to chat now. Please let me know that you are ready by posting a response. I’ll leave my chat session open for the next 15 minutes or so and wait for your reply. If I don’t catch you this time, please respond with a few times (including your timezone) that work best for you and we can connect then.

Posted
Victor Santucci EA
Social Security Advisor

Betty,

Based on the information provided:

 Only if a spouse is not yet receiving retirement benefits. In this case, you can claim your own Social Security beginning at 62 and make the switch to spousal benefits when your husband or wife files. Social Security will not pay the sum of your retirement and spousal benefits; you’ll get a payment equal to the higher of the two benefits.

If your spouse is already getting Social Security when you claim benefits, you are subject to the “deemed filing” rule. Under this provision, you don’t have a choice whether to wait and switch. When you apply for your retirement benefit, you’re also automatically deemed to be applying for spousal benefits, if you're entitled to them. Again, Social Security will pay the greater of the two benefit amounts.    

Keep in mind

  • The maximum spousal benefit is 50 percent of your husband’s or wife’s primary insurance amount (the retirement benefit he or she is entitled to at full retirement age).
  • There are three exceptions to the deemed-filing rule for current spouses (it doesn’t apply to ex-spouses at all). You can file what’s called a “restricted application” for just spousal benefits if any of these is true:
    • You were born before Jan. 2, 1954, and have reached full retirement age.
    • You are caring for a child who is under 16 or disabled.
    • You are eligible for Social Security disability benefits.
 Victor Santucci  EA
 
Posted
Victor Santucci EA
Social Security Advisor

Betty,

Do you need further assistance with your original question?

Victor Santucci  EA

Posted
Customer

I really wanted an answer in plain English not a copy of what I can read on other websites that are not clear 

my Husband was born  in 1952 and has collected Social Security since the age of 62 for the amount of approximately $600

i was born in 1955 and plan on collecting Social Security at FRA of 66

My sum will be appproximately $3000

will my husband be eligible to to collect on my Social Security and get Spousal  portion 

If so what do we need to do 

does it affect my amount of Social Security?  

Thank You 

Betty 

Posted
Victor Santucci EA
Social Security Advisor

Betty,

What I sent you was quite clear and is what Social Security requires.

I will try to simplify:

Yes - Only if your spouse (you) is not yet receiving retirement benefits.

Your spouse (husband) is eligibility for spousal benefits. Your husbantd must be at least age 62 to file for or receive a spousal benefit. Your Husband will not eligible to request spousal benefits before you file for your benefits.

It will not affect the amount of SS you receiced.

When you are ready to file at FRA you should contact your local Social Security office, which I believe is the Freemont office located at 3100 Mowry Ave, Fremont, CA - telephone ***-***-**** , to discuss what your plans are and they will explain the process. Remember do not file for your SS benefits before meeting with the SS office.  This can be done several months before you reach your FRA.

Victor Santucci  EA

 

Posted
Victor Santucci EA
Social Security Advisor

Betty,

Do you need further assistance with your original question?

Victor Santucci  EA

Posted
Customer

I did not appreciate the response starting out with “ what I sent you was Quite clear “ 

we are surrounded by rudeness on a daily basis but I didn’t expect that here 

all this is new to me and I’m just trying to find my way ... it was not clear to me ! ...that is why I turned to this forum 

in the end I understand  and got the answer I was looking for 

Posted
Victor Santucci EA
Social Security Advisor

Betty. I will have to assume that you're one of those individuals that look for a politically correct response to everything that is discussed with you . There was no intention of being rude. I apologize. End the story?

Posted
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