Part 6 : Tom Clark, Social Security Expert, with Audio – Delayed Retirement Benefit, Important Spousal/Widow Non Increasing Benefit

In Part 6, from our  Social Security Event earlier this year, Expert, Mr. Tom Clark, continued with the meat of Social Security, Retirement Benefits …. that Social Security Provides. Part 1 Here , Part 2 Here , Part 3 Here, Part 4 HerePart 5 Here, and Direct Audio Here on our site for your viewing/listening pleasures:

Delaying Full Retirement Benefit and Important Spousal/Widow Understanding

While about 50% of retirees take Social Security at 62 with another huge portion taking the benefit at FRA or Full Retirement Age – there are some folks that delay benefits – here is why

  • Why would folks delay Social Security Retirement Benefits?
  • Delayed Retirement Benefits – an ANNUAL 8% increase in benefits
  • Annual increase until age 70
  • Cannot wait past 70
  • Possible 32% increase in benefits
  • Spouses/Widow DO NOT GET an increase- Don’t wait past FRA for spousal benefits
  • Spouse would receive higher monthly benefit upon death if delayed benefit

The most important item in this section is the Spousal/Widow benefit – it does not make sense for the spouse to wait for delayed benefit if claiming benefits from a spouse – there have been some rule changes making this more difficult.

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Click Here for Direct Link to All Parts Audio Posted on our Special Social Security Page

Have a Great “Delayed Benefit and Spousal No Accrual” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.

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