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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.
If I'm Already Drawing Spousal Benefits Will Social Security Automatically Switch Me To My Own Benefits At Age 70?
I filed a restricted application for spousal benefits at the same time my wife filed for her retirement benefit at her full retirement age. When I want to receive my own retirement benefit at age 70, will Social Security automatically make this switch for me, or will I have to contact Social Security to let them know I a want to file for my own retirement benefit? Thank You.
Hi. No. Social Security can't entitle you to your own benefits unless you apply for them. When you file a restricted application for spousal benefits, which by the way can only be done by people born prior to January 2 1954, you are specifically limiting the scope of that application to spousal benefits only. Thus, you must file another application if you subsequently want to claim a different type of benefit.
Best, Jerry
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May 21, 2022