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If my wife claims Social Security spousal benefits, will that have any effect on my benefits when I claim at age 70?

I am 67 years old. I intend to take Social Security benefits at age 70. My wife turns 65 years old in June 2019. She does not have the minimum 40 credits of work to get her own Social Security retirement benefits. When she turns 65, can she claim spousal benefits? How will they be calculated? If she claims spousal benefits, will that have any effect on my benefits when I claim at age 70?

Retirement, Social Security
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April 2019

So, you heard it right. Your wife will not be allowed to take her spousal benefit until you file for your benefit. When you do file, the spousal benefit kicks in for more income, and will have no effect on your benefit. I have an amazing social security planning tool we can plug your benefit in to, and we can actually see the differences in various filing dates and strategies. I think it would really help answer the long term retirement income questions you may not be aware of. I'm happy to review this with you at no-cost and no-obligation. To book a time please visit: https://calendly.com/jcjones/investopedia

Hope to hear from you!

-Jordan Jones, RFC

http://www.jordanjones.net

March 2019
March 2019