Spousal Benefit Top Off Scenario Question

[John M 0]

Hi Devin,

I have a specific question regarding spousal benefit top off.

My spouse who is 62 has PIA of $1500

I am 66 (FRA) and has PIA of $2500 

My wife is thinking of filing now and receiving reduced benefit of $1050.

I plan to file a restricted application and claim spousal benefit of $525, which is half of my wife's reduced benefit.

4 years from now, I will be 70 and will be entitled to $3800. My wife will be 66y4mo then (FRA)

What will be my wife's benefit when I file for my benefit 4 years from now?

Will it be $1050 (plus any COLA adjustments) or $1250, which is half of my FRA benefit? (I am asking this because half of my PIA $1250 is less than my wife's PIA $1500).

Thank you in advance.

John