I have a 77 year old client who has a 66 year old wife who is not working. They are before the 1954 cut off for SS. They are currently receiving his $2800 per month and she is getting half $1380 per month and still working. They want to know what happens when she retires. Does she continue to get his half? Or does she just get her full? Will he ever get her half? They think they are grandfathered in due to date of birth.
One thought on “Wife on husband’s Social Security switching to her own and more”
The answer to your questions is based on several things. You didn’t mention when she started taking half of her husband’s Social Security. What’s her own Social Security now? If her own benefits are higher she needs to switch to her own by age 70. Looks like she’s using the restricted option. If half of the benefits on her own records are higher than her husband’s full Social Security then perhaps the husband can switch. You should be able to model it in the software though.
Hope this helps