Has your SIL checked if she'd be subject to WEP or GPO??? My friend's wife thought she'd get spousal benefits too but got hit with the windfall elimination provision because she had a government pension!!! If your SIL worked for state govt or federal job without paying into SS, that could change EVERYTHING!!!!

Just wanted to share that I was in this exact situation - high earner husband, also good income myself. I got ZERO spousal benefits. My own benefit at FRA was about $2,800 and half of his PIA was only $1,900 so no excess for me. Probably same for your sister-in-law if she has a good earnings record.

have you checked whether you can get benefits based on YOUR work record? my friend thought her ex would give her more but turned out her own SS was actually better!!!

I wish they would make these rules simpler to understand. It's like they WANT us to mess up our retirement planning! When my mom retired, she had no idea she could have gotten more by waiting until her FRA. Now she's stuck with a permanently reduced benefit. The whole system feels rigged sometimes.

One thing to keep in mind - if your ex hasn't claimed yet but does so in the future, they might get a higher benefit from their own record depending on their earnings history. The SSA will pay whichever is higher: their own retirement benefit or the spousal benefit (which maxes out at 50% of your PIA). So don't assume they'll automatically claim on your record even if eligible.

Does your ex know that you're delaying until 70? Because if they're collecting on your record while you're delaying, they're only getting the benefit calculated on your PIA at your full retirement age, not the increased amount you'll get at 70. Just FYI.

my neighbor works for our state pension system and she said they've been swamped with questions about this! apparently the state retirement systems don't have any more info than we do right now lol

One important update: Based on the information shared, I ran a quick calculation using what we know about the new proportional formula. With 18 years of substantial earnings under Social Security out of a 48-year career, approximately 37.5% of your career was in covered employment. The new formula will likely result in you keeping about 37.5% of the difference between your WEP-reduced benefit ($675) and your non-WEP benefit ($1,850). So: $675 + (0.375 × ($1,850 - $675)) = approximately $1,116 per month. This is just an estimate based on the general formula, but it gives you a better idea of what to expect. The actual calculation will be more complex and depend on your specific earnings history.

btw when u apply make sure u list EVERY single thing wrong with u not just the main problem. my claim was denied when i only talked about my back but got approved when i listed everything (diabetes, depression, high blood pressure, etc). they look at the COMBINED effect of all ur health problems!

One more thing to consider about your situation: If your husband's SSDI benefit is very low, it might be because not all of your business income was properly credited to his earnings record during those years you filed jointly. Self-employment income is reported on Schedule SE, and sometimes small business owners don't complete this correctly. It might be worth having a Social Security representative review his earnings record to ensure all income was properly credited. If there are errors, you can request corrections with proof of tax filings. The same goes for your own record during the 6 years you've been filing - make sure you're completing Schedule SE correctly so your self-employment earnings count toward your Social Security credits.