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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.
Do I Have To Wait Until My Husband Retires And Draws Benefits To Get Spousal Benefits?
If I am almost two years younger than my husband, and I don't have enough credits for social security paid in, can I still get spousal benefits even if he hasn't started to draw on his own or retired yet? Do I have to wait until he retires and draws his before I am allowed to draw on his? Thank you
Hi. Yes. You can't qualify for spousal benefits on the account of a current spouse unless your spouse is drawing their Social Security retirement or disability benefits (https://www.ssa.gov/OP_Home/handbook/handbook.03/handbook-0305.html).
Your best strategy for claiming benefits depends on a number of different factors, so you and your husband should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully compare and analyze all of your various options so that you can determine the best overall strategy for maximizing your benefits.
Best, Jerry
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October 31, 2022