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edjumakate me on turning 65....
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John Burns
Posted 10/5/2021 22:47 (#9254921 - in reply to #9254741)
Subject: RE: edjumakate me on turning 65....



Pittsburg, Kansas

You can't opt out anymore, once you have signed up for SS benefits.

Used to be you could both sign up but one opt out of payments and be like they had not signed up as far as calculating future earnings. They closed that off a few years ago.

But as far as I know, the choice for a wife to draw is her choice and the choice for the husband to draw is his. So as long as the husband does not sign up for SS benefits the wife can start drawing when she reaches eligible age.

If I am wrong about that, someone point it out where I am wrong. I don't want to give bad information. But that is my understanding. It would work well for a couple near the same age, the wife had earnings history, and the husband wanted to wait a few years so later payments would be higher.

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