Can I Still File For Spousal Benefits Only At Age 66?

Jan 14 2017 - 7:00am

My husband born in 1948 filed and suspended before the April 29, 2016 deadline and plans on waiting until age 70 to collect his social sec benefits .
I the spouse turn 66 in April 2017 . Can I file for my own benefit in April and subsequently my husband file a spousal on me and then when he reaches 70 i he takes his own benefit, and then I switch to his spousal benefit ? I was told i could do this as WE were grandfathered into the old rules ??


Yes, it sounds like you can file for and draw spousal benefits only starting at age 66, while letting your own benefit rate grow until age 70. Your husband could file for an excess spousal benefit on your account when you file for benefits on your own record, but he'd only be eligible if 50% of your full retirement age benefit rate is higher than his own full retirement age rate.

You may want to consider running the maximization software available on this website in order to determine your best filing strategy.

Best, Jerry