Quote:
Originally Posted by DiMarie
I am going to be 62 this year, my husband is collecting already and I am collecting for the last 12 years from my own earnings. Wondering at what age, prior to him passing I would be able to collect from his earnings. I have half what he receives at this time. It isn't much at all...
Thanks,
Oh I went to the website and I think it is saying 62, but it didn't seem correct, I thought full benefits were at 66.
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Pretend that his benefit is $1000 and yours is $300. 1/2 of his would be $500. Filing for spousal benefits at age 62 would give an award of $350 (permanent reduction of 30%). So the answer all depends upon how much the $50 will help you at age 62 or the $200 would help you at age 66. Less money sooner but for more years or more money later but not now when you could use it.
The unknown factor is your date of death. You won't know the right answer without it. Everything else is a guess.