Easton, PA asked in Social Security for Pennsylvania

Q: I’m on ssdi now since I was 50 yo. I heard once my wife turned 62 which she is now that she is eligible to collect half.

She never really worked I was always the sole provider. We went to social security and were told we have to wait until she turns 65. Is this true

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James L. Arrasmith
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Answered
  • Social Security Disability Lawyer
  • Sacramento, CA

A: In the United States, the eligibility for spousal benefits through Social Security depends on several factors, including the age of both the beneficiary and their spouse. Generally, a spouse can start receiving benefits based on their partner's record at age 62. However, if they elect to receive these benefits before reaching their full retirement age, the amount will be permanently reduced.

In your case, where your wife is 62 and you are receiving SSDI, she may be eligible for spousal benefits. However, it's important to note that these benefits would be reduced because she is not at full retirement age. The full retirement age varies depending on the year of birth, and for many people, it is beyond 62.

The information you received about waiting until she turns 65 may be specific to your circumstances or may be a misunderstanding. It's advisable to seek clarification from the Social Security Administration or consult with a professional who has expertise in Social Security benefits. They can provide personalized advice based on your specific situation, including the potential impact of early retirement on benefit amounts and the best strategies for maximizing your benefits.

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