- How It Works
- ServicesServicesOverviewChoose the right level of support for your plan and needsExpert ReviewA comprehensive review of inputs and reports to get you on the right pathFiling AssistanceLet our experts deal with Social Security for youClawback AssistanceFor those who need help fighting a Social Security benefit clawback
.png)
- Why Choose Us
- ResourcesResourcesBooksFrom the world-renowned economist behind Maximize My Social SecurityWebinars & PodcastsExpert tips and guides to help you get the maximum from Maximize My Social SecurtyArticlesIn-depth commentary on Social Security from our founderAsk LarryThousands of questions answered by our Social Security expertsBlogSocial Security insights to help you maximize your lifetime benefitsFAQYour most pressing questions answered
- Pricing
Ask Larry
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.
If I Started Drawing From My Husband's Social Security At Age 62, Can I Collect Half Of His Amount Now That I'm 78?
I started collecting from my husbands social security at 62 I am 78 and he is 89 can I collect 1/2 now
Hi. No. The percentage reduction that's applied to your benefit rate if you collect benefits prior to your full retirement age (FRA) is permanent. The reduction for age doesn't go away when you reach FRA or any subsequent age.
However, if your husband dies before you, your survivor benefit rate will not be reduced for age regardless of the fact that you started collecting spousal benefits at age 62. In the event of his death, you could be paid the higher of your own benefit rate or your husband's full benefit rate.
Best, Jerry
Category:
Posted:
July 31, 2022