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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.
Can My Spouse Use My Benefit As A Spousal Benefit Until I Start Collecting?
Hi Larry,
My husband is 73 and receives $1089 in SS monthly. I am 59 and at full retirement at 67 my SS benefit estimate is $1707. Can he use my higher benefit for a spousal benefit until - or after - I draw my benefit? Thanks, Sarah
Hi Sarah. No. First of all, your husband couldn't be paid spousal benefits at least until you start drawing your benefits. And, even then, the only way that your husband would be eligible for any spousal benefits while you are living is if your primary insurance amount (PIA) is more than twice as much as his own PIA. A person's PIA is equal to their Social Security retirement benefit rate if they start drawing their benefits at full retirement age (FRA).
Best, Jerry
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Posted:
February 7, 2022