I'm not living with my husband and I'm thinking of retiring soon, instead of collecting my social security am I entitled to collect his? I'm 64 years old

Hi. No one can claim another person's Social Security benefits, but you might be able to qualify for spousal benefits if you meet the requirements for those benefits (https://www.ssa.gov/OP_Home/handbook/handbook.03/handbook-0305.html).

If you're not divorced from your husband, then you couldn't qualify for spousal benefits unless and until your husband is collecting either Social Security retirement or disability benefits. And, since you were born after January 1 1954, you can't apply for spousal benefits without also filing for your own Social Security retirement benefits at the same time. As a result, you could only be paid basically the higher of your own benefit rate or your spousal rate, and if you claim benefits prior to your full retirement age (FRA) your benefit rate will be reduced for age.

You may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze all of your options so that you can determine your best strategy for maximizing your benefits.

Best, Jerry