Social Security Q&A: When Should My Husband Claim Spousal Benefits?

Social Security Q&A: When Should My Husband Claim Spousal Benefits?
Photo by Art_Photo / Shutterstock.com

Welcome to “Social Security Q&A.” You ask a Social Security question, and our guest expert provides the answer.

You can learn how to ask a question of your own below. And if you would like a personalized report detailing your optimal Social Security claiming strategy, click here. Check it out: It doesn’t cost much and could result in receiving thousands of dollars more in benefits over your lifetime.

This week’s question comes from Liz:

I am 63, and my husband is 69. When I reach 66 and 2 months and claim my Social Security benefits, will my husband be able to claim benefits? He did not work enough to earn his own benefit.

How spousal benefits impact claiming

Thanks for your question, Liz. First, let me answer your query. Then, I will try to help you make the best claiming decision

A spouse cannot claim a spousal benefit until the primary beneficiary claims his or her benefit first. Your husband will be able to claim his benefit when you claim yours, but he will have to wait until you claim.

However, claiming both benefits at your full retirement age (FRA) of 66 years and 2 months might not be the best strategy.

To help you understand this, let me start with a simpler situation and then discuss your case. We ran the simpler scenario through our algorithm to see what the optimal choice would be, keeping in mind that there is a trade-off between loss of immediate benefits and higher benefits in the future.

If you were a single woman, the optimal age to begin claiming your benefit would be 68 if you expect a normal life expectancy. (If you expect to live longer than a normal life expectancy, a further delay in claiming would be appropriate.)

However, when we add your husband’s spousal benefit into the analysis, the situation changes.

If you delay claiming, he cannot claim either. And because he is 69, his spousal benefit does not increase if he delays further. Each year you delay between now and 70 your benefit increases, but his spousal benefit does not increase beyond his FRA of 66.

Since his benefit does not increase and he cannot claim until you do, you should claim your benefit now at age 63. That is, unless the earnings test applies to your situation.

You will be subject to the earnings test if you earn more than $17,640 a year. The total benefit that you and your husband receive will be reduced by $1 for every $2 earned above this amount. Your benefit will be adjusted at your FRA age because of this penalty, but there is no adjustment for the loss of spousal benefits. This is a permanent loss. The size of this loss depends on how much you earn, and it will determine when you should claim.

Your husband’s spousal benefit is what makes claiming at 63 the best option — but a reduction in his benefit due to the earnings test would make claiming at 63 less compelling. For instance, If your earnings are high enough to wipe out his spousal benefit, then claiming at your FRA would be best option. At that point, the earnings test no longer applies.

Thus, the best time to claim is between now and your FRA. It depends on the size of the loss of his benefit.

Got a question you’d like answered?

You can ask a question simply by hitting “reply” to our email newsletter, just as you would with any email in your inbox. If you’re not subscribed, fix that right now by clicking here. It’s free, only takes a few seconds, and will get you valuable information every day!

The questions I’m likeliest to answer are those that will interest other readers. So, it’s better not to ask for super-specific advice that applies only to you.

About me

I hold a doctorate in economics from the University of Pennsylvania and taught economics at the University of Delaware for many years. I now do the same at Gallaudet University.

In 2009, I co-founded SocialSecurityChoices.com, an internet company that provides advice on Social Security claiming decisions. You can learn more about that by clicking here.

Got any words of wisdom you can offer on today’s question? Share your knowledge and experiences on our Facebook page. And if you find this information useful, please share it!

Disclaimer: We strive to provide accurate information with regard to the subject matter covered. It is offered with the understanding that we are not offering legal, accounting, investment or other professional advice or services, and that the SSA alone makes all final determinations on your eligibility for benefits and the benefit amounts. Our advice on claiming strategies does not comprise a comprehensive financial plan. You should consult with your financial adviser regarding your individual situation.

Retire on your own terms with help from this course

The Only Retirement Guide You'll Ever Need gives you the knowledge you need to retire on your own terms. Sure, you can pay a financial adviser, but this online course gives you total control to create a customized retirement plan around the things that matter to you -- without the fees you can expect from financial firms and advisers.

You'll get expert, personalized advice. You'll have access to the latest tools. You'll have ongoing support. And when you've completed the course, you'll be ready to approach your retirement with confidence and with peace of mind.

It's time to plan the best years of your life. Let's get started.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next

25 Things You Should Never Buy — and What to Buy Instead
25 Things You Should Never Buy — and What to Buy Instead

If you really want to save money, become a more intentional shopper.

10 Food Staples That Are Easy and Cheap to Make Yourself
10 Food Staples That Are Easy and Cheap to Make Yourself

Making any of these key foods yourself will improve your meals and your budget — not to mention your health, in some cases.

These Are the 9 Best Benefits of Amazon Prime
These Are the 9 Best Benefits of Amazon Prime

These top-notch perks of an Amazon Prime membership won’t cost you a dime extra.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Comments