Dear Rusty: My wife will reach her full Social Security benefit at 66.5 years of age which is just under two years away for her now. If she were to begin to get her monthly check now (i.e. early), would that prevent her from being eligible for the spousal benefit to receive half of what I am currently drawing? Signed: Curious Husband 

Dear Curious: If your wife claims her own SS retirement benefit now (e.g., at 64.5 years), and you are already collecting your own SS benefit, then she will be automatically deemed to be filing for her spousal benefit immediately when she claims her own benefit (she does not have the option to defer claiming her spousal benefit until later). This is a change made by the Bipartisan Budget Act of 2015, which requires all those first claiming SS to file for ALL benefits they are eligible for when they claim. What that would mean is that your wife’s benefit now, including her spousal boost from you, would be actuarially reduced by the number of months early she claimed. Her own SS retirement benefit would be permanently reduced by about 15%, and her “spousal boost” (the additional amount she would get as your spouse) would be reduced by about 19%, yielding a combined benefit which is roughly 42% of your full retirement age (FRA) SS benefit. 

The only way your wife can get half (50%) of your FRA benefit entitlement is by waiting until her own full retirement age (66 years and 10 months) to claim. Note too that your wife’s spousal benefit will be based on your FRA entitlement, so if you claimed earlier or later than your own full retirement age, her spousal benefit will still be based on your FRA entitlement.

Also, your wife should be aware that anyone who claims early is subject to Social Security’s “earnings test,” which limits how much can be earned while collecting early benefits. Thus, if your wife is working, she will be restricted on how much she can earn before Social Security takes away some of her benefits. FYI, the earnings limit changes annually, but for 2025 it is $23,420 and, if that is exceeded, SS will take away $1 in benefits for every $2 over the limit. And, FYI, the earnings limit goes up a lot during the year FRA is attained, and the earnings test no longer applies once full retirement age is reached.  

I hope this answers your question, but if you have need additional information, please feel free to contact us directly at SSAdvisor@amacfoundation.org, or call us at 1-888-750-2622.

Russell Gloor is an Association of Mature American Citizens certified social security advisor.  To submit a question, visitamacfoundation.org/programs/social-security-advisory or email ssadvisor@amacfoundation.org.