My spouse is 65 years old and has recently filed for Social Security benefits. I am also 65 years old but I am planning to continue working. I am planning to file for Social Security benefits at age 70 so that I can maximize my benefits. My question is, can I file for spousal benefits now? Thanks for your help.

Hi,

You can't file for spousal benefits prior to full retirement age (FRA) without also being deemed to file for retirement benefits on your own record, but assuming that you were born prior to January 2 1954 you could file just for spousal benefits only at your FRA and still allow your own retirement benefits to grow until age 70. It sounds like that may well be your optimal strategy, but you may want to consider using our maximization software to be sure.

Best, Jerry