My husband started getting social security at his full retirement age. I am 62 and plan to work until 70. Can I claim social security on his account. I understand I will not get 50% of his benefit because I am not at FRA. My question is if I claim tbe benefit now but work until 70, will I get my eligible benefit at the age of 70 or will get the beneft as if I retired at 62.

Thanks

Hi. I assume that your husband is still living, in which case the answer is no. Only people who were born prior to January 2 1954 are allowed to apply for spousal benefits without being required to apply for their own benefits at the same time (https://www.ssa.gov/benefits/retirement/planner/claiming.html). What that means is that people born after January 1 1954 can only be paid essentially the higher of their own benefit rate or their spousal rate, and their benefit rate is reduced for age if they start drawing benefits prior their full retirement age (FRA).

You may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze the options available to you in order to determine your best strategy for maximizing your benefits.

Best, Jerry