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June 26, 2020
Category:
Could I File For Spousal Benefits And Wait Until Age 70 To Start My Benefits?
I am FRA(66) and still working and thinking of retiring. I am married and he is retired and drawing SS. I wanted to know if I could file for spousal benefits and wait to start mine at age 70. I was born March of 1954.
Thank You
Hi,
Unfortunately, no you can't. Only people who were born prior to January 2 1954 are permitted to apply just for spousal benefits without also being required to file for their own benefits at the same time.
I don't have enough information about you and your husband's to offer you any advice, but the two of you should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to analyze your various options so that you can determine your best strategy for maximizing your benefits.
Best, Jerry