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Electing When to File for Benefits to Maximize Payments
(Posted February 11, 2013)
Question 972: My wife will be 62 in 2013 and we are trying to determine if she can begin her Social Security retirement benefit (reduced for taking early) and then, when I'm eligible for full Railroad Retirement benefits (in 5 years), have her apply for Railroad Retirement spousal benefit (because it would be higher than her social security benefit). Can we do this?
Answer: You can always select the most advantageous date to file for benefits. You can certainly do what you described in your question.
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