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Dear Sir or Madam:

I have read your forum “Social Security Spousal Benefit Rules Every Married Couple Should Know”. The reality is not so pleased.

Both my wife and I are 71 years old. She got retirement at her 65 and got a little SS retirement benefit.

I knew I would get maximum amount at my 70 years old. So I got retirement last year. My amount is more than twice of my wife’s. Naturally, I claimed SS spouse benefit for my wife to increase her income.

However, the clerk of SSA said, my wife is ineligible for SS spouse benefit because they calculate her SS spouse benefit based on my amount at my age of 67, the full age of retirement, not based on my current amount, the maximum account at my 70 years old.

Amid Covid-19 offices of SSA are closed, I can only talk to the clerk over phone, but I do not want to argue with her over phone.

Do you think the clerk of SSA is right? Is this calculation legal? If not, what do I do?

I know so many experts are on the net. Is there anyone among you who can answer my questions? Thank you in advance!

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