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By Julie Fielder
Attorney

It works this way: at retirement age, the working spouse files for benefits and immediately suspends them. The non-working spouse can receive spousal benefits while the worker remains employed. The longer the worker delays retirement, the more credits he accumulates. His benefits can increase up to 8 percent a year by delaying retirement beyond full retirement age. 

Example: husband and wife are at full retirement age. Wife wants to collect benefits while husband continues working. If husband retires now, he receives $2,000 a month. Husband files for benefits and immediately suspends. Wife files for spousal benefits. She receives $1,000 a month on his record. Husband continues to work and retires at age 70. When he retires, he can get up to $2,800 a month in benefits.

To see if this strategy will work for you, contact your elderlaw attorney.

About the Author
Julie M. Fiedler, an Attorney at Law, has been a resident of San Ramon since 1988. With over 30 years of experience in healthcare and senior services as a Registered Nurse, she is recognized as a Certified Elder Law Attorney (CELA) by the National Elder Law Foundation. Julie is accredited by the Department of Veterans Affairs to assist individuals with VA benefits. Her extensive involvement includes serving on the Board of Directors for the National Academy of Elder Law Attorneys, Inc., and as the past President of the Northern California Chapter of the National Academy of Elder Law Attorneys. She is an active member of California Advocates for Nursing Home Reform and ElderCounsel. Additionally, Julie Fiedler has contributed her leadership skills as President of the Adult Day Services Network of Contra Costa.