Ask Terry Questions Social Security Spouse benefit

Social Security Spouse benefit

By Terry Savage on April 20, 2024 | Financial Planning / Retirement

My wife began SSA at 67. I waited until I turned 70 this January. I expected her to get 50% of my benefit. All they did was add $637 to the amount she was getting and it does not total 50% of my benefit. They are shorting her $600 per month. I requested a review and also called SSA but they gave me confusing answers. Maybe I am missing something about how the 50% spousal benefit is calculated? She does not work or earn any other money.

Terry Says

No, she doesn’t get the benefit of those extra few years you waited until 70! She only gets half of yours at YOUR Full Retirement age.
However, if you die, she will get your full benefit!

But if you want to check the exact amount she should be receiving, go to and pay the $39 to get a personalized analysis.

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