DQOTD: Soc Sec Spousal Benefits?

[Mike Piper]

I just want to make sure I have this right. DW is 1 year and 3 months older than me. We will both take SS at 70. When she takes hers, I will also able to get the spousal benefit of 50% of her FRA (66 years and 8 months) amount, for 1 year and 3 months, then I will start getting my full benefit when I hit 70. Do I have this right?

You would be able to file a restricted application for a spousal benefit equal to 50% of her PIA if a) you had already reached your FRA at the time (which will be the case, based on the text of your post) and b) you were born prior to 1/2/1954 (which does not appear to be the case).


If you are born 1/2/1954 or later, the new deemed filing rules apply to you, and if you ever file for a spousal benefit you will be deemed to have filed for your retirement benefit at that time as well.