ASK RUSTY (cont.)

benefit would still be based upon your FRA benefit amount, not the increased amount you received by delaying past your FRA to claim. Which would again mean a spousal benefit which is less than 50% of your actual benefit.

So, as you can see, a spouse doesn't always get half of the higher earning spouse's Social Security benefit. Your wife’s benefit will be less than 50% of your FRA benefit if she took any SS benefit before reaching her full retirement

be less than half of the benefit you are now receiving if you delayed past your own FRA to claim a higher benefit for yourself.

This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/ social-security-advisory) or email us at ssadvisor@ amacfoundation.org.

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