ivinsfan
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Feb 19, 2007
- Messages
- 9,962
Yes, but I think the question was what if the higher earner had filed adn suspended and not yet started collecting benefits, what the spousal survivor benefits will be.
We could have that issue as DW will be getting the spousal benefit from my FRA onward, but I plan to file and suspend and claim at 70. The question is if I die between my FRA and age 70, will DW's survivor benefit be my benefit on the date I die or can she wait until I woudl have been 70 and claim the higher benefit (the benefit grows at a simple 8% a year from FRA to age 70).
I don't know the answer and am curious myself.
Wouldn't one of the only reasons to file and suspend be to allow your spouse to collect a spousal benefit. I just took this to mean that the spouse was already collecting a spousal. Is there any good reason to file and suspend if the spousal or minor child option is not on the table? As I mentioned, we are at these ages right now and I am trying to understand all these situations.
Has anyone done and file and suspend for a reason other then spousal or minor child and would you mind sharing why?