Yeah, my H won’t ever be able to collect any spousal benefit due to offset provision. His pension is nice though so he and we aren’t complaining.
Wixsela is the generic for Advair. The proline for it is about $107, but because it’s feneric, many insurers are helping pay and have lower copays. Hope this helps those who are using Advair—very popular lung Rx.
Actually… I think you can file for social security benefits early, at age 62, if your spouse has not yet filed for benefits. Then you can later collect a spousal benefit when your husband files. Of course you will only want the spousal benefit if it is greater than your own benefit that you have been collecting since you were 62.
The thing that you cannot do (if you were born after jan 1 1954) is file a restricted application. That would be filing for a spousal benefit first at age 66, and then later filing for your own max benefit when you turn 70.
The real message here is get advice from an expert. I have researched this stuff extensively and I still get confused about details or specific situations, and every year I forget at least 50% of what I learned the previous year and have to figure it out all over again.
Here is a reference article, written october 2018 after the law was changed.
https://www.aarp.org/retirement/social-security/questions-answers/switch-social-security-spousal/
@NJres, yes, that’s the scenario I was considering. I wanted to file under my own record at 62. My spousal benefit will be larger, but DH is a) younger than me and 2) not retiring or taking his benefit before 70. It would not be a “deemed filing.”
For anyone interested, more info on generic Advair:
https://pulmccm.org/asthma-review/advair-goes-generic-fda-authorizes-wixela-inhub/
Rx do consume various amounts of folks budgets.
I don’t remember where I read this, but I think it was that if you file for your benefits before FRA, and then switch to a spousal benefit when your spouse starts claiming, that you won’t get the full 50% of spouse’s amount because you filed early. I’ll probably wait til my FRA to start getting SS and then switch to spousal benefit when DH files at 70.
" I think you can file for social security benefits early, at age 62, if your spouse has not yet filed for benefits. Then you can later collect a spousal benefit when your husband files"
@NJres @CountingDown
that is not correct.
this is from the IRS website. I have put the important qualifiers in all caps.
Deemed Filing For Retirement And Spouse’s Benefits FAQs
What are the new rules for deemed filing resulting from the Bipartisan Budget Act of 2015?
Deemed filing means that when you file for EITHER your retirement OR your spouse’s benefit, you are required or “deemed” to file for the other benefit AS WELL. Deemed filing rules already apply when you file for either your retirement or your spouse’s benefit AND you are BEFORE full retirement age (FRA). The Bipartisan Budget Act extends deemed filing rules to apply at FRA and beyond.
What is the effective date for the new rules on deemed filing resulting from the Bipartisan Budget Act?
The new rules for deemed filing are effective immediately for individuals who turn 62 on or after January 2, 2016. An individual born on January 2, 1954 will reach his or her full retirement age (66) in 2020. Therefore, January 2020 is the first month deemed filing will apply to someone who reaches FRA. Until that time, deemed filing will only apply to those below FRA.
But how can you apply for spousal benefits if your spouse hasn’t filed for his benefits yet?
^^you cannot. To obtain spousal, your spouse must already be receiving his/her own benefits.
re: Social Security Spousal Benefit
One can begin one’s personal benefit & later receive spousal benefit at the point when one’s spouse begins to receive his or her personal benefit.
I spoke directly with a SS rep, who confirmed this for those whose FRA is age 66. (I’d assume this applies for anyone whose FRA is age 66 or older… but, check with SS.)
To see individual details, try one of the online calculators. If you think as a couple it would be advantageous to receive spousal benefits rather than each spouse’s personal benefit, the online calculator could confirm this via the maximize algorithm for a couple.
This article explains the change regarding deeming. It contrasts “restricted application” with the current guidelines.
DH will retire on March 31. Today he joyfully commented that he only has 3 Mondays left 
I am 7 years old and will work a little longer. But NOT 7 more years.
Great typo…is it a typo?
<deleted… see="" correction="" below=""> </deleted…>
Thanks thumper
REDO - DH is 7 years older, so I will work a little longer. But NOT 7 more years,
I liked the first version best. Man, you married young! 
I will be 66 later this year, but my DH is 3 years younger and still working. He may delay filing for SS until @70. My own benefit will be smaller than the spousal benefit. What are my options?
H retired when he was 71. I’m not quite sure when I’ll fully retire. I’m only working part time and currently love what I do. I set my hours and so far it’s been fine.
The last par is also unclear:
Per Mike Piper:
https://opensocialsecurity.com/articles/spousal-benefit-calculation/
Do folks generally take a separate dental plan when they start Medicare or pay out of pocket? I know some advantage plans cover dental