Therefore, only one spouse can file a restricted application, since the other spouse must have filed. In order for both spouses to delay their own benefits to receive the maximized benefit at age 70, one spouse uses file & suspend, and the other files a restricted application.

Can a spouse suspend Social Security benefits after April 30, 2016?

Due to new Social Security laws that were passed in November 2015 anyone who suspends benefits after April 30, 2016, will end up suspending all benefits based on their record — which means a spouse cannot collect spousal benefits during a time when their spouse has “suspended” benefits.

Do you get higher social security benefits if your spouse is past age 66?

Survivor’s benefits include the effect of delayed retirement credits. If your spouse was already past age 66 or 67 and had not started taking Social Security, you may get a higher survivor benefit than if they had filed sooner. When you start claiming your survivor benefit, you would get what their payment would have been at that later age.

Can you file for your own and spousal benefits at the same time?

If that’s the case, you will not be able to wait until FRA to file for the spousal benefit, you’ll have filed for your own benefit and the spousal benefit at the same time. And since you’ve filed early for both benefits, both will be permanently reduced, and you’ll get a much lower percentage as the spousal benefit – as little as 30% in some cases.

What happens if my wife files for Social Security before I do?

If your wife has already filed for her benefit when you file for your own benefit – that is, if she has filed earlier than you or at the same time – then there is a further complication called “deemed filing”.

Can a spouse delay Social Security benefits to age 70?

In order for both spouses to delay their own benefits to receive the maximized benefit at age 70, one spouse uses file & suspend, and the other files a restricted application. 9. Q: My wife started collecting her own benefit at age 62.