Even if a homemaker never contributed anything to Social Security in her lifetime, if her spouse is entitled to Social Security benefits, she is entitled to a spousal Social Security benefit when she reaches her full retirement age. The amount of her benefit is one-half of her spouse's benefit.
Your wife cannot receive her spousal benefit until you start to receive social security.
So when you reaches full retirement age of 67, she reaches 62, which is eligible for social security. Both of you can start collecting.
But if you want to retire at 62, you can start collecting at 62. and five years later she'll be able to start collecting. The time you start to collect has no bearing on hers.
Even if a homemaker never contributed anything to Social Security in her lifetime, if her spouse is entitled to Social Security benefits, she is entitled to a spousal Social Security benefit when she reaches her full retirement age. The amount of her benefit is one-half of her spouse's benefit.
不知道医疗保险怎样。
Your wife cannot receive her spousal benefit until you start to receive social security.
So when you reaches full retirement age of 67, she reaches 62, which is eligible for social security. Both of you can start collecting.
But if you want to retire at 62, you can start collecting at 62. and five years later she'll be able to start collecting. The time you start to collect has no bearing on hers.
先算你的，再算她的。