Can I collect spousal benefit and wait until I am 70 to collect my own Social Security?

Asked by: Bobbie Frami  |  Last update: March 4, 2024
Score: 4.8/5 (54 votes)

You are eligible for benefits both as a retired worker and as a spouse (or divorced spouse) in the first month you want your benefits to begin and. You are not yet full retirement age, you must apply for both benefits (known as deemed filing). You will receive the higher of the two benefits.

Can I collect deceased spousal benefits and wait until I am 70 to collect my own Social Security?

If a person receives widow's or widower's benefits, and will qualify for a retirement benefit that's more than their survivors benefit, they can switch to their own retirement benefit as early as age 62 or as late as age 70.

Can I switch from spousal benefits to my own at age 70?

To make the switch from a survivor benefit to your own retirement benefit, which will reach its highest amount at age 70, you may either apply online at SSA.GOV or make an appointment with your local office to apply in person.

What is spousal benefit Social Security loophole?

Divorced spousal benefits. You can still receive benefits on your ex-spouse's record if your marriage lasted at least 10 years and your ex-spouse is at least 62 years old, unmarried, entitled to receive more than you are from Social Security and qualified for retirement or disability benefits.

Can I collect my own Social Security and spousal benefits?

Yes. If you qualify for your own retirement and spouse's benefits, we will always pay your own benefits first. If your benefit amount as a spouse is higher than your own retirement benefit, you will get a combination of the two benefits that equals the higher amount.

🔴Can I Take Spousal Social Security Benefits & Later Take My Own Benefit At Age 70

17 related questions found

What is the best Social Security strategy for married couples?

The longer the spouse with the higher benefit waits to start collecting, the higher benefits will be for both spouses. Delaying the higher earning spouse's benefits could also eventually increase the other spouse's survivors benefits.

At what age can a wife take half of her husband's Social Security?

You can collect spousal benefits as early as age 62, but in most cases, the benefits are reduced permanently if you start collecting early. If your own work history earns a higher benefit, you'll receive that amount rather than the spousal benefit.

Can I take my husband's Social Security instead of mine?

As a spouse, you can claim a Social Security benefit based on your own earnings record, or collect a spousal benefit in the amount of 50% of your spouse's Social Security benefit, but not both. You are automatically entitled to receive whichever benefit provides you the higher monthly amount.

Why isn't my wife's spousal benefit 50% of my Social Security retirement benefit?

The spousal benefit can be as much as half of the worker's "primary insurance amount," depending on the spouse's age at retirement. If the spouse begins receiving benefits before "normal (or full) retirement age," the spouse will receive a reduced benefit.

When my husband dies do I get his Social Security and mine?

In many cases, a surviving spouse can begin receiving 1 benefit at a reduced rate and allow the other benefit amount to increase. If you will also receive a pension based on work not covered by Social Security, such as government or foreign work, your Social Security benefits as a survivor may be affected.

How do I change from spousal benefit to my own benefit?

You can file the application with a Social Security representative, either by telephone at 800-772-1213 or at your local Social Security office.

Can my wife claim spousal benefits before I retire?

No. You have to be receiving your Social Security retirement or disability benefit for your husband or wife to collect spousal benefits.

At what age is Social Security no longer taxed?

While you may have heard at some point that Social Security is no longer taxable after 70 or some other age, this isn't the case. In reality, Social Security is taxed at any age if your income exceeds a certain level.

What percentage does a widow get from her husband's Social Security?

Widow or widower, at full retirement age or older, generally gets 100% of the worker's basic benefit amount. Widow or widower, age 60 or older, but under full retirement age, gets between 71% and 99% of the worker's basic benefit amount.

What if my spouse dies before retirement age?

If your spouse had not yet reached full retirement age, Social Security bases the survivor benefit on the deceased's primary insurance amount — 100 percent of the benefit he or she would have been entitled to, based on lifetime earnings.

What is the difference between survivor benefits and spousal benefits?

The short version: Spousal benefits are available to retired workers' spouses or ex-spouses. They pay up to 50% of a worker's monthly retirement or disability benefit. Survivor benefits are paid to a surviving spouse or surviving ex-spouse when a Social Security beneficiary dies.

What are the rules for spousal benefits?

For spouses to receive the benefit, they must be at least age 62 or care for a child under age 16 (or one receiving Social Security disability benefits). In addition, spouses cannot claim the spousal benefit until the worker files for their benefit.

Who is not eligible for spousal Social Security benefits?

To qualify for spouse's benefits, you must be one of the following: 62 years of age or older. Any age and have in your care a child younger than age 16, or who has a disability and is entitled to receive benefits on your spouse's record.

Can you collect Social Security from two husbands?

Yes, you can. Notify the Social Security Administration that you were married more than once and may qualify for benefits on more than one spouse's earnings record. They will be able to tell you which record provides the higher payment and set your benefit accordingly.

Will I lose my ex husband's Social Security if I remarry?

What Happens If I Remarry? Generally, you cannot collect benefits on your ex-spouse's work record unless your second marriage ends by annulment, divorce, or death. Your SSI benefits payments may change based on your new spouse's record.

When can a spouse claim spousal benefits?

If you are receiving retirement or disability benefits, your spouse may be eligible for spouse benefits if they are: At least age 62. Any age and caring for a child who is under age 16 or who has a disability that began before age 22.

Can I stop my ex wife from getting my Social Security?

This is good news when former spouses are not on good terms. Your ex cannot “block” you from drawing your spousal benefit. In fact, he probably won't even know if you are drawing off him unless he calls SSA to ask.

Can you collect spousal benefits and still work?

You can get Social Security retirement or survivors benefits and work at the same time. But, if you're younger than full retirement age, and earn more than certain amounts, your benefits will be reduced. The amount that your benefits are reduced, however, isn't lost.

Can ex wife claim my pension years after divorce?

There is no hard and fast rule on this. Generally, a claim can be brought at any time until a consent order is put in place. However, waiting too long after your divorce could make obtaining a share of your former spouse's retirement benefits more difficult, or even impossible.

Does a married couple receive 2 Social Security checks?

If you are married and you and your spouse have worked and earned enough credits individually, you will each get your own Social Security benefit.