Hi Larry
I have been receiving my social security since I turned 66. I was born 10/53. Can I switch and start receiving benefits on my husband's social security. His is a larger monthly amount than mine.

Hi. No, you can't start drawing own benefits first and later switch to drawing spousal benefits. You could, however, apply for an excess spousal benefit on your husband's record. If you qualify, the excess spousal amount would then be paid in addition to your own benefit rate.

Assuming that your husband is still living, if you apply for an excess spousal benefit your excess spousal rate would be calculated by subtracting your primary insurance amount (PIA) from 50% of your husband's PIA. A person's PIA is equal to their Social Security retirement benefit rate if they start drawing their benefits at full retirement age (FRA). Therefore, you'll only be eligible spousal benefits if your husband's PIA is more than twice as much as your PIA.

Best, Jerry