Can a Spouse Switch to Benefits on Their Partner's Record?

I recently received my NSSA Advisor certificate and I have a client that has a question about social security. The client is 69 and his wife is 74. He plans to take his social security at 70. With the Restricted Application is she able to switch and file on her spouse’s benefits?

In this situation, the wife, who is 74 years old and has been receiving Social Security benefits for over a year, cannot switch to her husband's Social Security benefits once he begins taking his benefits at age 70. The option to "do over" or withdraw and reapply is not available to her since she has already been receiving benefits for an extended period. Additionally, since her husband has not yet started receiving his benefits, a spousal benefit is not payable to her at this time. However, once he does begin receiving his Social Security benefits, she may be eligible for a spousal benefit boost, depending on her own benefit amount relative to his.

On the other hand, the husband should consider filing a Restricted Application to claim a spousal benefit based on his wife's work record. Since he was born before the key date of January 1, 1954, he is eligible for this strategy. By filing a Restricted Application, he can receive a spousal benefit while allowing his own benefit to continue growing until he turns 70. He should make the Restricted Application effective 6 months retroactively, which could result in a lump sum payment for those months. 

The content on this blog is for informational purposes only and is not legal, financial, or professional advice. Social Security rules change periodically, so some information may become outdated. For the most accurate advice, consult a certified National Social Security Advisor (NSSA®). Social Security Professionals, LLC, and NSSA® are not responsible for any errors, omissions, or actions taken based on this blog's content. Use of this blog does not create a client relationship, and all information is provided "as is" without guarantees. By using this blog, you agree to hold Social Security Professionals, LLC, and NSSA® harmless from any claims or liabilities arising from its content. For personalized guidance, contact an NSSA® professional.