Breaking Down the Legal Jargon: How AI Legalese Decoder Can Help Navigate Implications When Non-Working Spouse Reaches 70 Before You
- April 26, 2024
- Posted by: legaleseblogger
- Category: Related News
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AI Legalese Decoder: Understanding Social Security Filing Options
Introduction
Navigating the complex rules surrounding Social Security benefits can be daunting for many individuals, especially when considering factors such as spousal benefits and filing age. In this scenario, the husband is considering his filing options at age 70, while his wife, who is two years older and a stay-at-home spouse, is also looking to maximize her benefits. This raises questions about when each spouse can file for benefits and how to optimize their Social Security income.
Exploring Filing Strategies
One potential strategy is for the wife to file for benefits at age 70 to receive some income, as she has no income of her own. However, a key consideration is whether she can later switch to her husband’s benefits when he reaches age 70. This depends on their individual circumstances and may require coordination of their filing strategies.
Considering Early Filing
Another option to consider is for the husband to file for benefits at age 68, which would provide earlier income for both spouses. This decision could impact the total amount of benefits they receive over their lifetime, as benefits are reduced for each year before full retirement age.
Utilizing AI Legalese Decoder
The AI Legalese Decoder can help simplify these complex Social Security rules and provide personalized recommendations based on individual circumstances. By inputting relevant information, such as age, income, and filing preferences, the decoder can analyze the best filing strategies for maximizing Social Security benefits for both spouses.
Conclusion
In conclusion, navigating Social Security benefits can be complex, especially when considering spousal benefits and filing age. By leveraging tools such as the AI Legalese Decoder, individuals can better understand their options and make informed decisions to optimize their Social Security income. It is essential to consider all factors and seek professional advice when planning for retirement.
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Title: How AI Legalese Decoder Can Simplify Complex Legal Language
Introduction:
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****** just grabbed a
She cannot file off your record until you do. If she has no work history of her own and you make too much for SSI, then she has to wait.
First see if she gets anything from her own work record.
Assuming it is zero, then you are leaving 24 spousal payments on the table for an increase in yours. That’s probably worth about 8 months of your payments.
If I were you, I would claim at 69 and your wife claim her spousal at the same time.
You can fill way before 70
You should check opensocialsecurity.com.
Her spousal benefit maxed out at 65. The math may show that your best scenario is you filing at 67 and she at 69. She has zero benefit on her own ?
What would she draw now if she has no work record? There is nothing for her to draw now. If you wait till age 70 to draw yours, she can then draw up to half I believe of yours. You have to file first before she can apply. You could definitely draw at 68 then she can draw half of yours. If you pass before her she can then collect 100%. That’s the best of knowledge for me. There are others on here that work for SSA that are the experts. Perhaps they will answer soon
>perhaps I should file at 68?
Possibly. You want to make sure you consider the possibility of survivor benefits in your calculation.
check out: [https://opensocialsecurity.com/](https://opensocialsecurity.com/)
I heard this some time ago so the details may be off but as I was lead to believe you should retire and suspend your payment and this allows her to claim on your SS until you are ready to actually retire. It was in some book on how to maximize your social security income.
Edit: “Get What’s Yours” I believe is the book. Authors are Kotlikoff, Moeller, and Solman