SumDay
Thinks s/he gets paid by the post
- Joined
- Aug 9, 2012
- Messages
- 1,862
Browsing through the AARP bulletin, I saw this question in the Ask Jane Bryant Quinn column:
I thought I knew quite a bit about SS, but this one blew over my head. I did find a similar answer that Jerry Lutz provided on his site. https://maximizemysocialsecurity.co...r-or-not-my-wife-qualifies-spousal-supplement
Anyone actually ever done this? DH's spousal benefit from my SS starts in August, and then in four years, he'll begin his. So, it sounds like I might get a little bump if this is what it appears to be?
Q. My husband and I have both started Social Security. I’m taking my full benefit, and he is taking spousal benefits on my account. When he turns 70 and takes his own full benefit, can I switch to the spousal benefit on his account? It would be more than what I’m receiving now.
A. You can’t switch to the spousal benefit in this situation, but you can get those same dollars in another way, say Jerry Lutz of Maximize My SS. When your husband takes his own retirement benefit, you can apply for the spousal supplement which will raise your benefits to what you’d be entitled to if you had filed as a spouse. Note: If you had filed for your own benefit or your supplement before your FRA, your new total benefit would be reduced.
A. You can’t switch to the spousal benefit in this situation, but you can get those same dollars in another way, say Jerry Lutz of Maximize My SS. When your husband takes his own retirement benefit, you can apply for the spousal supplement which will raise your benefits to what you’d be entitled to if you had filed as a spouse. Note: If you had filed for your own benefit or your supplement before your FRA, your new total benefit would be reduced.
I thought I knew quite a bit about SS, but this one blew over my head. I did find a similar answer that Jerry Lutz provided on his site. https://maximizemysocialsecurity.co...r-or-not-my-wife-qualifies-spousal-supplement
Anyone actually ever done this? DH's spousal benefit from my SS starts in August, and then in four years, he'll begin his. So, it sounds like I might get a little bump if this is what it appears to be?
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