I have an interesting Social Security situation. The wife (who is currently 64) has a $1,000 monthly income from her government pension, she is subject to the WEP. Can the wife start taking her own PIA now (net of WEP), and later switch to taking 50% of her husband’s when she reaches 66? Since she is subject to the WEP adjustment, can she still take the greater of 100% of her own PIA or 50% of her husband’s?

I have a client ( a couple, age 59 and 63). They both are eligible for government pension. They both have also contributed into the Social Security system.  The report that’s coming out of the tool shows zero spousal benefits. Why?