Can I File For Spousal Benefits At Age 66 And Switch To My Own Record At Age 70?

Mar 6 2017 - 7:30am

I am almost 66. I was married for 18 years. I continue to work, I hope at least to age 68. Can I file for my spousal benefit at 66, which should be around $1100, allowing mine to continue to grow, then switch to my own higher amount (around $2400) at 70? This would allow my own benefit to grow by almost $800 over that 4 years.


Yes, since you were born prior to January 2 1954, this is still an available option for you. It sounds like this would be your best strategy provided that you meet the requirements for spousal or divorced spousal benefits (, but you may want to run the maximization software available on this website to be sure.

Best, Jerry