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Can I File On My Wife's Record At Age 62 And File On My Own At Age 67?

My wife is 67 and has been drawing Social Security since 62. I am 60 . Can I file on her benefits @ 62 and then file on my own at 67 and it not affect my FRA at 67?

Hi. No. Only people born prior to January 2 1954 are allowed to apply for spousal benefits without also being required to file for their own benefits at the same time, and even they can only do so if they apply for spousal benefits at full retirement age (FRA) or later. Since you were born after January 1 1954, whenever you file for either spousal benefits or your own Social Security retirement benefits you'll be deemed to be applying for both benefits. You can then only be paid essentially the higher of the two benefit rates, and if you start drawing prior to 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 the options available to you in order to determine your best strategy for maximizing your benefits.

Best, Jerry

Category: 
Posted: 
Apr 10 2021 - 3:21pm
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