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Can I Receive Spousal Benefits On My Wife's Record Without Reducing My Own Age 70 Rate?
my wife will retire and claim S S at age 63 in sept 2017 her benefit app 1000 can I claim 1/2 her benefit until I claim my full benefit at age 70 in 2022
Hi,
Yes, since you were apparently born before January 2 1954, you could claim spousal benefits only when you reach age 66, and allow your own benefit rate to grow until age 70. This is likely the best strategy in your case, however, you may want to consider running the maximization software available on this website in order to be sure.
Best, Jerry
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May 2, 2017