Can I Suspend My Benefits At FRA And Draw Spousal Benefits?

Dec 26 2016 - 10:30am

I am currently 59 yrs. old and have been receiving SSDI for 15 years. I understand that my SSDI benefits will revert to SS retirement benefits at age 66 yrs. old. I am married and my 69 yr. old husband is still working full time. My question is once my SSDI benefits convert to SS retirement benefits at age 66 yrs. old is there a way to suspend collecting my SS retirement benefits at that time in order to receive a higher amount of SS retirement benefits when I am 70 yrs. old? Can I at age 66 yrs. old claim SS retirement benefits on my husband's SS benefits?


You can suspend your benefits at full retirement age (FRA) in order to accrue delayed retirement credits, but you can't draw spousal benefits while your own benefits are in suspense.

Best, Jerry