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Social Security & Medicare

cilla4progress

(26,002 posts) Thu Jan 13, 2022, 01:49 PM Jan 2022

Spousal benefits - SSA / Retirement [View all]

A financial advisor I spoke with yesterday let me know that I can apply to receive 50% of my spouse's retirement benefit, along with my own, since his is more than mine and I'm over age 62. It will not reduce my spouse's benefit, or any future retirement benefit. I've heard of this before, but it seems to be a little known secret.

Anyone have any experience with this?

TIA

20 replies

= new reply since forum marked as read

Highlight:

Spousal benefits - SSA / Retirement [View all] cilla4progress Jan 2022 OP

My niece, an RN, was told she made too much money to collect her spousal benefits. Peregrine Took Jan 2022 #1

This message was self-deleted by its author wolfie001 Mar 2022 #19

She can work all she wants wolfie001 Mar 2022 #19

You can also qualify if it's an ex-spouse Pachamama Jan 2022 #2

Thank you! cilla4progress Jan 2022 #3

Just remember if you are still working nitpicker Jan 2022 #8

Yes indeed! We will be doing that. NewHendoLib Jan 2022 #4

I'm pretty sure the "along with my own" part isn't so Rorey Jan 2022 #5

When my father died my mother got his blueinredohio Jan 2022 #11

Right Rebl2 Jan 2022 #15

I just re-read your post... Pachamama Jan 2022 #6

Actually, it could be a combination nitpicker Jan 2022 #7

Thanks - cilla4progress Jan 2022 #9

My mother did this. She had worked outside the SS system as a teacher. Tomconroy Jan 2022 #10

Wonder how long the phone hold is ... cilla4progress Jan 2022 #12

At age 62 (2014) I collected my SS and part of husbands. After he died in 2021 I now collect all in2herbs Jan 2022 #13

Thank you! cilla4progress Jan 2022 #14

When I turned 66, in 2014, PoindexterOglethorpe Feb 2022 #16

Is this because his SS is more than 2x cilla4progress Feb 2022 #17

Yes. It also allowed me to postponed collecting PoindexterOglethorpe Feb 2022 #18