MissMolly
Thinks s/he gets paid by the post
- Joined
- Jun 9, 2010
- Messages
- 2,151
Thank you, prompted me to do some digging and discover the changes to the budget act of 2015 wasn't as I thought. So if I file at 64, she then turns 62 and can collect half of my FR benefit (66.5), or half my benefit at that time (64)?
Neither one exactly. Spousal benefit calculation will always start with your FR benefit at 66.5 (regardless of when you file), but then will be reduced depending on how early before her FR age she files. If she waits until her FR age, she will get 50% of your FR benefits regardless of when you file.