mathjak107
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Jul 27, 2005
- Messages
- 6,208
my wife filed for her benefit at 62. she is 2 years older than me .
i recently filed for my benefit at 65 so up until now she has gotten no spousal adder . she is now 67 .
using the ss calculator for spousal or the charts we believed she got a reduction on the spousal benefit for filing early .
on the ss website there really is nothing explained as far as what happens if she filed early but by the time the actual spousal kicks in she is fra .
using the chart ,we assumed because she filed for her benefit at 62 she would get 30% off 1/2 my full as a total benefit .
https://www.ssa.gov/OACT/quickcalc/earlyretire.html.
well we got the ss verification letter yesterday for her spousal benefit .
it seems that because she is first getting spousal at fra or older ,even though she filed at 62 the calculation is very different . there is no chart or calculator .
they took 1/2 my full , subtracted her full and added the difference to her early benefit .
had she not been at least fra when spousal kicked in because i filed she would have been reduced as per the chart's schedule . but because she got no spousal adder yet because i didn't file and she reached fra the reduction on the spousal goes away . she is only penalized on her own early benefit but no further reduction on the spousal side . had she been under fra and i filed she would have had a spousal cut too
so it ended up being more than we anticipated .
there really is no chart , calculator or explanation on the ss spousal benefit page for this .
it was a pleasant surprise to see in the letter that she is getting 313 more a month added to her early benefit instead of the 150 or so we came up with using the chart and calculator on the site .
so that throws another decision in to the mix for those with similar situations since a spouse can take their own benefit at 62 . be deemed filing for spousal ,yet because the other spouse has not filed yet the spousal benefit keeps getting larger as the reduction on the spousal side shrinks , all the while they are collecting an early benefit check ..
i recently filed for my benefit at 65 so up until now she has gotten no spousal adder . she is now 67 .
using the ss calculator for spousal or the charts we believed she got a reduction on the spousal benefit for filing early .
on the ss website there really is nothing explained as far as what happens if she filed early but by the time the actual spousal kicks in she is fra .
using the chart ,we assumed because she filed for her benefit at 62 she would get 30% off 1/2 my full as a total benefit .
https://www.ssa.gov/OACT/quickcalc/earlyretire.html.
well we got the ss verification letter yesterday for her spousal benefit .
it seems that because she is first getting spousal at fra or older ,even though she filed at 62 the calculation is very different . there is no chart or calculator .
they took 1/2 my full , subtracted her full and added the difference to her early benefit .
had she not been at least fra when spousal kicked in because i filed she would have been reduced as per the chart's schedule . but because she got no spousal adder yet because i didn't file and she reached fra the reduction on the spousal goes away . she is only penalized on her own early benefit but no further reduction on the spousal side . had she been under fra and i filed she would have had a spousal cut too
so it ended up being more than we anticipated .
there really is no chart , calculator or explanation on the ss spousal benefit page for this .
it was a pleasant surprise to see in the letter that she is getting 313 more a month added to her early benefit instead of the 150 or so we came up with using the chart and calculator on the site .
so that throws another decision in to the mix for those with similar situations since a spouse can take their own benefit at 62 . be deemed filing for spousal ,yet because the other spouse has not filed yet the spousal benefit keeps getting larger as the reduction on the spousal side shrinks , all the while they are collecting an early benefit check ..
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