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Thank you so much Ronin! I am getting a crash course in Social Security! Your article on claim now claim more later, got me thinking...Can both spouses file for spousal benefits at different times? I have been reading a lot in the last 24 hours, and I am getting continuously closer to...

Thanks again. Just as I think I am 100% squared away on this, more questions come to mind! Under the scenario where B files for spousal benefits at age 66, but plans to revert to personal benefits later, can they wait until age 70 to do so, or does it revert to the personal benefit as soon as...

Thanks again. I'm getting there (slowly!). Would this be impacted at all if Spouse A starts collecting at 62? Is the spousal benefit still based on the FRA benefit of Spouse A, or does it get reverted to 50% of the actual payout of Spouse A? Based on the link you provided, it appears you can...

I think I understand now. Thank you. Here are 2 scenarios, am I relaying this correctly now? Spouse A, file at age 66, collect 1900/mo. Spouse B, file for Spousal Benefits at age 66 ($950/mo), and upon reaching age 70, file for personal benefits at $1210/mo (890*1.08^4). I guess the other...

Thank you! The terminology is throwing me off though. I think what you are saying is that Spouse B has 2 options A) File early at 62 based on own benefit (891/mo), which is permanent or B) Wait until Spouse A draws and claim 50% of the benefit. Is that correct? Spouse B cannot file for 50%...

Admittedly I know nothing about Social Security, but I need some help from the board on what is probably a fairly common scenario for 2 spouses retiring: Spouse A: 66 years old, Retired with disability, and is considering filing for Social Security Disability Source B: 62 years old...