Hi,
My husband started drawing his social security at age 62 due to necessity. He is now 66 (2/14/50). I am planning my retirement at age 62, in four years) but want to wait to maximize my SS and hold off taking it until I'm full retirement age or age 70. Can I draw on his benefit at age 62 and leave mine to grow? I made substantially more income than he did and would like to not have to use my 401K to bridge this gap.

Hi,

No, that was never an option for anyone. If you had been born before January 2 1954, though, you would have been able to file for spousal benefits only at full retirement age while letting your own benefit grow until age 70. However, thanks to the new law passed by Congress last year (https://www.ssa.gov/planners/retire/deemedfaq.html), you no longer have the option of filing for spousal benefits at any age without also filing for benefits on your own record. So, assuming that your own full retirement age benefit amount (PIA) is more than 50% of your husband's PIA, you won't be eligible for spousal benefits.

Best, Jerry