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INmail: Step-up to larger spousal benefit is automatic

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Although retirement benefits earn delayed credits for every year a worker postpones claiming them up until age 70, spousal benefits do not.

Judy: A friend turns 70 on Nov. 18. His wife will be 70 next year. She is already collecting her own Social Security benefit of about $700 per month. His benefit will exceed $3,000 per month. Will she be eligible to receive a spousal benefit when he turns 70?

MBF: Once the husband begins collecti

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