Retirement Planning/Social Security


Hi.  My husband is 68 and and applied for SS at his full retirement age.  I'm 62 and thinking of applying for mine, but is there a way I can get spousal SS until 66 and then apply for mine at full retirement age.  Or by taking spousal would it permanently reduce my SS? Thanks very much!!

Richard E. Reyes, CFP
Richard E. Reyes, CFP  
Thanks for your question.

Here’s where “deeming” comes in. Remember that for the wife to file for spousal benefits, her husband first has to file for his retirement benefits. And because she is younger than full retirement age, Social Security’s rules will “deem” her to be also filing for her own retirement benefit when she files for her spousal benefit. There is no way around this if she is younger than 66. And the benefit she will actually receive won’t be both of these benefits but in effect only the larger of either her retirement benefit or her spousal benefit. Further, because she’s filing before reaching full retirement age, both benefits will be subject to early claiming reductions.

Hope this helps.  

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Richard E. Reyes, CFP


I can provide answers to questions relating to retirement especially relating to; income distribution, tax efficiency, long-term care insurance, life insurance, estate planning, asset protection, variable and fixed annuities, alternative investments and prudent portfolio design.


Through the years Richard has built a reputation as one of Central Florida's expert on retirement income distribution by providing sound, unbiased wealth coaching. We believe that Financial Planning is the problem and Wealth Coaching is the solution. The Wealth Coaching process gives you Peace of Mind, so you can stop worrying about your future. It helps you find happiness as it guides you in the TRUTH of investing, by teaching you how to make wise choices as you journey through your life’s stages. It is all about your relationships and what you value, not your net worth.

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B.S. University of Florida, Gainesville, FL
CFP Certificate, University of Central Florida, Orlando, FL

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