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Thread: Wife collecting her SS monthly salary early based on what my SS monthly salary.

  1. #1

    Default Wife collecting her SS monthly salary early based on what my SS monthly salary.

    Folks,

    I've been told, by several folks, that when I begin collecting my SS monthly pension at age 62, that my wife can also collect her's ( of course reduced ) at the same time. She will be 59 when I hit 62. Her monthly pension is somehow based on a percent of mine at a given age. I'm not sure it's 62 or 65. I just turned 61, so i'm just trying to get an idea of some numbers and how my wife can collect hers.

    I was told this when I retired in 2011, so of course I've forgotten what they said. Does this ring a bell with anyone?

    TIA,

    CB


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  3. #2

    Default Re: Wife collecting her SS monthly salary early based on what my SS monthly salary.

    Hey CB -

    You probably know a lot more about it than I do, but I found this on ssa.gov site...

    https://faq.ssa.gov/link/portal/3401...ement-benefits

    https://faq.ssa.gov/link/portal/3401...s-on-my-record

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  5. #3

    Default Re: Wife collecting her SS monthly salary early based on what my SS monthly salary.

    Hey it's good to hear from ya. Thanks for the links. I'll give 'em a good reading and see if they are what I'm talking about. It was kinds difficult to put into words. I really haven't done any research on SS until I got to within a year of being eligible for it, cause ya never know how law changes will impact you. No use of getting ready, just to have the rules changed on ya. We've had plenty of that over the years. I'll see what I can gather. Thanks again. CB

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  7. #4

    Default Re: Wife collecting her SS monthly salary early based on what my SS monthly salary.

    CB,

    I think perhaps you might be thinking of the "file and suspend" strategy, or the "restricted" strategy. I'm no expert, but I think it's a moot point for you because a.) File and suspend phased out today !!! and b.) I believe you have to be full retirement age, i.e. 66 or so...

    Here's an article I found ; HTH, and good luck !!!

    "File And Suspend" Is Gone, But This Social Security Strategy Still Works -- For Now -- The Motley Fool


    Stoplight...
    "Too old to rock and roll...too young to die"... - I. Anderson

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  9. #5

    Default Re: Wife collecting her SS monthly salary early based on what my SS monthly salary.

    Thanks for the link Stoplight.

    CB

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