medium · Certified Financial Planner Retirement

The Kessler household consists of Arthur, age 67, and his wife, Elena, age 67. Arthur has a primary insurance amount (PIA) of $3,000 and is delaying his retirement benefit until age 70 to maximize his monthly check to $3,720. Elena has a PIA of $800 based on her own work history.

If Elena files for her spousal benefit today at her full retirement age, what is the maximum monthly benefit she is entitled to receive?

  1. $2,220
  2. $1,500
  3. $1,860
  4. $1,190

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