- April 27, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Can We Apply for Both of Our Social Security Benefits?
My wife, who is 64 years old, receives a lower benefit amount of approximately $1400, while I, at 65 years old, receive a higher benefit amount of around $3000. We are interested in applying for both benefits simultaneously, totaling $4400. Is this a permissible action according to the Social Security Administration rules? We prefer not to wait until we reach our “Full Retirement Age” of 66 years and 10 months.
## How to Apply for Both Benefits and in What Order?
We are uncertain about the process of applying for both of our available benefits now. Could someone explain the necessary steps and the correct order of applying to receive both benefits? We appreciate any guidance on this matter as we navigate through the Social Security application process.
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Keep in mind you are both filing early so will have permanently reduced benefits.
https://www.ssa.gov/oact/quickcalc/spouse.html
Not sure what you mean by is that allowed. It’s your retirement benefit. As long as your eligible you can each file whenever you want
You both need to file for your own retiment beefits. Your spouse might be eligible for upt to 1/2 of your benefits at their own retirement age. But drawing early there be an age reduction most likely their own benefits will be higher than 1/2 of yours.
During your spouse application the claims representative should run the computations, and if there is additional information, they would reach out to take the spouse application.
By eyeballing it, your wife’s benefits as of April 1 are about $1,120 and yours are $3,810.
And her spousal benefits will be reduced a shitload, down to about $1,125. (So spousal will only get her an extra 5$)
Rounding for months.
If you plan to live past age 80, consider delaying social security. If you need cash flow have her file for hers now and file for yours at age 70.
Mine and my hubby’s are within 10.00 (2140) lol. Both taking at 62, we also both have state pensions. As long as you’ve got the 40 credits you can collect as early as 62, full 67 I believe.
When you log in to check your benefits, is it telling you what you get if you apply right now? Or what you’ll get if you work another year and apply at fra?
I have never checked mine and I don’t know how clear the page is.
You are separate people. You have separate accounts. Either of you can apply any time either of you wants to, or one of you can apply, or the other can apply.
You will each need to set up where you want the money deposited. It can be sent to separate accounts or to the same account, the Social Security Administration does not care.
You will each get separate notices, and you may get your checks in different weeks, because that depends on when your birthday falls in the month.
I know you are looking at this as “our” money, but it is actually her money and his money.
The SSA is going to treat your applications as unrelated events. There’s no consequence to filing your applications at the same or different times. You’re two different people with two different accounts.
You don’t have to wait until full retirement age, but applying early does mean that your benefit will be reduced for the rest of your life. If you are exactly 65 years old when you begin receiving benefits, your benefit will be reduced by 12.2% (permanently). If your wife is exactly 64 years old when she begins to receive benefits, her benefit will be reduced 20% (permanently). Are the benefit amounts that you give the ones listed on your SSA statement (look it up on [SSA.gov](https://SSA.gov))? Those assume full retirement age. So, if you two were to apply today you wouldn’t be getting ~4400 / month it would be more like ~3754 / month.
Are you working? If not, you are advantaged by filing to receive benefits at the earliest point possible. You will receive the reduced amount forever, but it will take many years past full retirement age to realize the difference.
You would be better off having your spouse file under your earnings for 50% benefit, which is $100 more than her benefit. Then she can take later retirement from her own earnings and the amount will be more.
You need to sign up 3 months before your birthday. At least I did and I’m from Msschusetts and got mine early. My husband did also and retired at correct age.