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  1. #1
    Join Date
    Jul 2007
    Location
    Florida
    Posts
    2,344

    Default Spousal Benefits

    I understand that a spouse can collect SS based upon the record of the other spouse (50% I believe) if that results in a higher benefit than collecting under his/her own record. The SS Administration's website gives examples of how this works. However, in their examples they always cite the higher earning spouse as retiring first. What happens if there is a ten year difference in age, and the lower earning spouse retires at age 62 while the higher earning spouse continues to work? Is the lower earning spouse locked in to the level of benefits based on their work record, or can s/he begin collecting based on the higher amount due to the higher earning spouse now being retired?

  2. #2
    Join Date
    Jan 2008
    Location
    Toledo, OH
    Posts
    16,307

    Default Re: Spousal Benefits

    I have not been able to find an answer for this.

    Have you called your local SSA office and asked them?

  3. #3
    Join Date
    Jul 2007
    Location
    Florida
    Posts
    2,344

    Default Re: Spousal Benefits

    I have, but I got conflicting answers depending on whom I spoke with. I suppose I could try again and go up the chain to supervisors, etc. I was sure there would be something on the web, but I've found nothing that would answer my questions. Thanks for trying, though, I do appreciate your time.

    Jim

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