I am 67 and 3 months. My question is my husband is 70 1/2 and is collecting his SS benefit. We are both still working and I would like to know if I can collect half of his SS until I’m 70 and then change to mine?

Hi. No. The only way that you would be able to apply just for spousal benefits without being forced to apply for your own benefits at the same time is if you were born prior to January 2 1954. People born after January 1 1954 are deemed to be applying for both their own benefits and spousal benefits whenever they apply for either benefit (https://www.ssa.gov/benefits/retirement/planner/claiming.html).

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

Best, Jerry