Hello, One Ping.One Ping wrote: ↑Sun May 02, 2021 2:57 pmSo, if at the same time the other spouse is switching to their spousal benefit, they would just submit a new application for spousal benefits and would put their own information under the previous application section.You Know What I Mean wrote: ↑Sun Apr 25, 2021 7:26 pm IMO, you can do this online. That’s what I ended up doing. (If your local office isn’t too busy, you might still prefer to schedule an appointment there, but it isn’t necessary.)
You said that on the SS website you were unable to find any form or online menu item that will enable your DW to request the change from spousal to her own benefit. That’s the same experience I had.
However, your DW can just submit the standard application for her retirement benefit with the desired start date (effective in July at age 70). There is a section in the online form asking if the applicant had previously applied for SS. That’s where DW would put in the spouse’s – that is your, Prudence’s – name and SS account number.
As I suggested in an earlier post, I think it is a good idea to make use of the Remarks/Comments section to clearly emphasize what you are trying to accomplish. FYI, here is the wording I used in my remarks:
“I am currently receiving spousal benefits and am applying to switch to my own retirement benefit effective at my age 70 in February 2021 with the maximum Delayed Retirement Credits. Thus, the new (higher) benefit amount should be paid in March 2021. Thank you.”
Then add in the remarks section something like this:
“I am currently receiving my own retirement benefit and am applying to switch to my spousal benefit effective in XXXXX 20ZZ. The new (higher) benefit amount should be paid starting in YYYYY 20ZZ. Thank you.”
Doing both “at the same time” might work. However, a person cannot apply for his/her spousal benefit until the spouse has filed for her/his own retirement benefit. That is, I believe the order matters. (In fact, that’s what I was told on the phone.)
Therefore, the person applying to switch from spousal to her/his own benefit should do it first. Then the other person should apply to switch to spousal, perhaps a day later.
As a practical matter, you might be able to do them at the same time (or perhaps on the same day?). You might get a phone call from Social Security if there is an issue. That’s my guess.