Spousal Social Security Application Timing

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My wife was born in 1951, I was born in 1957. Our plan is for me to apply for my early SS benefit when I reach age 62. At that time my wife will apply for spousal while her own SS continues to grow. When she’s 70 we’ll begin collecting her maximum benefit and continue with my early benefit.

My question is, do we apply for my early and her spousal simultaneously, or wait ’til mine goes through?

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Asked on February 13, 2018 12:33 am
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This is a relatively new change and since your wife was born before January 2, 1954 and has already reached her full retirement age, she can choose to receive only the spouse’s benefit and delay receiving her retirement benefit until a later date. If her birthday was January 2, 1954 or later, the option to take only one benefit at full retirement age no longer exists. If she filed for one benefit, she will be effectively filing for all retirement or spousal benefits. You can call SSA and request an appointment for both of you at the same time. When you call SSA, you can schedule either a face-to-face or telephonic appointment.

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Answered on February 13, 2018 2:05 am
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Thank you for the answer. That makes sense and the rule change information is as I understood it. If we were to apply online, do you think we could submit both applications simultaneously?

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Answered on February 16, 2018 11:00 pm
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Personally, we did my husband’s application on-line and it was piece of cake, never had to go in or take any documentation to them. I went in to file my application and it was more labor intensive because they wanted copies from my original birth certificate, marriage license, etc, so on-line is the way to go for ease. However, having said that, since you are trying to coordinate benefits, if it were me, I would call ahead, make an appointment for both of you and go in to file. They always seem to be very helpful in making sure everything is done correctly and you can collect the most available.

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Answered on February 17, 2018 3:07 pm