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mikegw

Spousal benefits

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Can my wife begin receiving her social security at 62, then convert that to a spousal benefit at 67? This is assuming I'm already receiving social security. Thanks

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Hi Mike! 

If your wife files at 62, the SSA will give her everything that she is entitled to receive. If she is entitled to a spousal benefit, she'll automatically get that when she files for her own. One caveat to this is that she will only be eligible for her own benefit until you file for your benefits. If these happen at separate times, the reduction amounts could be different. Check out this video I made where I cover a scenario like this. 

  

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