On Thu, 26 Apr 2007 09:42:11 -0500, Art Harris <n2ah[at]hotmail.comwrote:

- quote -

Probably the easiest way to think of this is that your spouse is
entitled to use either his/her earnings record to calculate his/her
benefit, or to use half of your earnings record to calculate his/her
benefit. Either way, he/she must use any early retirement reductions
that would apply to him/her.

For more on the above go to the ssa.gov web site and look around.




-HW "Skip" Weldon
Columbia, SC

In article <1177597493.473095.211490[at]t39g2000prd.googlegroups.com> ,
Art Harris <n2ah[at]hotmail.com> wrote:

- quote -

Option I
She starts drawing 1st - her earnings determine what she gets until
you start to draw. Then her benefit becomes about 1/2 of what you draw.

Option 2.
You start to draw 1st. When she begins to draw her benefit will be
about 1/2 your benefit.

My wife and I both work, but her projected Social Security benefit is
less than half of mine at full retirement age. She is 6 months older
than me.

Assuming we both live long lives, will she be entitled to 1/2 of my
benefit when we start collecting? Would that be true at less than
"full retirement" age? What if one of us retired at 62 and the other
at 66?

Thanks,
Art