Can my husband get spousal benefits from my Social Security at 68 while I'm still working at 58?

He cant get a spousal benefit until YOU file for your benefits. The calc is probably showing what he would get IF you were receiving benefits now. You have to actually file before he can get anything based on your record.

The previous response is correct. Spousal benefits can only be paid when the primary worker (you) has filed for your own benefits. The SSA calculator is showing what your husband could potentially receive as a spousal benefit *if* you were already receiving your benefits. Here's how spousal benefits work in your situation: 1. You must file for your own retirement benefits first 2. Your husband can then apply for spousal benefits 3. He would receive the higher of his own benefit or up to 50% of your Primary Insurance Amount Since he's already receiving his own benefit, he would only get the difference if your spousal benefit calculation exceeds his current payment. Given your age difference, when you reach your FRA of 67, your husband will be 77. At that point, he can apply for the spousal benefit if it would increase his monthly amount.

My situation was kinda similar except I'm older than my wife. When I checked the SSA site it gave me all kinds of weird numbers too! Called SSA and they said basically what others told you - spouse has to be collecting first. Btw good luck getting anyone on the phone if you try to call SSA to confirm this stuff. Wait times are INSANE lately.

There's actually a lot of confusion about spousal benefits. Your husband CANNOT receive a spousal benefit until you file for your own retirement. When you file at your FRA of 67, then he can apply for the spousal benefit. The maximum spousal benefit is 50% of your Primary Insurance Amount (PIA), but this gets reduced if your husband filed for his own benefits before his FRA. Since he waited until his FRA, he would get the full difference between his own benefit and 50% of your PIA (if your PIA is more than double his benefit). The $1140 figure you're seeing is theoretical based on your current earnings record projected to your FRA. It will change as your actual earnings change over the next 9 years.

just want 2 mention not everyone knows this but spousal benefits have a MAXIMUM!!! my brother thought he was going get like 2000 a month from his wifes record but there's a family maximum benefit like 150-180% of the workers PIA that caps everything. something 2 check!

To clarify what everyone's saying: no, your husband cannot receive spousal benefits from your record until you file for your own benefits first. This is a fundamental rule of Social Security. What the SSA calculator is likely showing is what your husband could potentially receive *if* you were already receiving benefits. Since you're only 58 and not planning to file until 67, he would have to wait until then to potentially receive any spousal benefits. When you do file at 67, your husband's spousal benefit would be calculated as the difference between his current benefit and 50% of your Primary Insurance Amount (PIA). He would only receive a "top-up" if 50% of your PIA exceeds his own benefit amount. Given that you mention a potential $1140 spousal benefit, your PIA might be around $2,280 (since $1140 is 50% of that amount). This suggests your earnings history is quite strong relative to your husband's.

I see a LOT of confusion about this topic! My wife is 7 years younger than me, and we went through this exact situation. Here's what ACTUALLY happens: 1) Your husband CANNOT receive spousal benefits until YOU file for YOUR retirement benefits 2) The SSA calculator is showing a HYPOTHETICAL amount based on if you filed RIGHT NOW 3) When you DO file at your FRA, then your husband can apply for spousal benefits 4) He'll only get the DIFFERENCE between his current benefit and 50% of your PIA (if that's higher) Don't be fooled by that $1140 number - that's likely 50% of your projected PIA, not the actual amount he'd receive as a top-up. His actual top-up will be that amount MINUS his current benefit. And YES, it's worth waiting until your FRA to file!!!! Don't file early - you'll reduce BOTH your benefit AND any potential spousal benefit for your husband.

somebody told me once that if ur spouse dies the survivor gets the higher of the two benefits. not sure if thats true but might be something to think about with ur planning