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I retired in 2018 at 62 and started collecting Social Security for health reasons.
My 2018 Social Security Statement is the last document I have that showed my 'Primary Insurance Amount'. It's no longer shown on my SS web account. My spouse will start collecting his Social Security and Spousal Social Security in 2025 at his FRA.
I know his spousal Social Security is based on my Primary Insurance Amount, but will it be based on my 2018 Primary Insurance Amount, or what I am receiving today or is there another Primary Insurance Amount value I can't see. Since I am collecting, I no longer see what my Primary Insurance Amount is, or if it had increased over the last 7 years (2018 to 2025) with all the COLAs too. I cannot find this answer on the Internet including the Social Security Web site.
I currently get more today (2023) in Social Security than my 2018 Primary Insurance Amount.
4 Calls & 2 Chats to Social Security have done no good, every time I call with the exact same information they have given us his combined total Social Security + Spousal Social Security estimates, that vary between $0/month in Social Security to $1,100/month with other values in between for his total monthly Social Security (his & Spousal). We do know it can't be $0 since he had worked for several years in a job covered by Social Security. When I asked what the Primary Insurance Amount value is being used, they just tell me "it's in the computer, the computer knows".
Since he worked as a school janitor for near minimum wage, Spousal Social Security should help him, but he will also be hit by both WEP & GPO as he gets $610 a month in a school pension (it is subject to WEP) and any Spousal Social Security will be subject to GPO too.
Using just my 2018 Primary Insurance Amount we calculated that he'd get: $1,324/month after both WEP & GPO, but the Social Security agents didn't come close to that.
Spousal benefits are based on the primary insuredโs PIA - which is what yourโs would have been when you started drawing it IF you had waited until your FRA.
You can always work backwards to figure it - I hope you have the amount you began with at 62 as a starting point. Perhaps tax files or it might be on your SS account - if they keep it on file for that long - I donโt know.
SSA.gov - Early or Late Retirement
From the link:
In the case of early retirement, a benefit is reduced 5/9 of one percent for each month before normal retirement age, up to 36 months. If the number of months exceeds 36, then the benefit is further reduced 5/12 of one percent per month.
For example, if the number of reduction months is 60 (the maximum number for retirement at 62 when normal retirement age is 67), then the benefit is reduced by 30 percent. This maximum reduction is calculated as 36 months times 5/9 of 1 percent plus 24 months times 5/12 of 1 percent.
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