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Experts at Maximize My Social Security have answered more than 10,000 questions about Social Security over many years. Search for your questions and answers here.
What Do I Need To Do To Switch From Spousal Benefits To My Own Benefits At Age 70?
Hi Larry, I have been receiving restricted spousal benefits for a few years now as I was born in 1953. I will be 70 in July and will switch to my own retirement benefits. Do I have to do anything besides fill out a new online application? Do I need to go in person to a Social Security office? Or will I be switched over automatically without having to reapply? So confusing. Thanks for any clarity you can provide.
Hi. You won't automatically be switched to your own benefits. Instead, you'll need to file an application for Social Security retirement benefits on your own account. I'm not sure whether or not Social Security's website will allow you to apply for your own benefits online, but if not you'll need to call Social Security to make an appointment to apply by phone or in person.
Best, Jerry
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April 10, 2023