Good morning!

I am 70 and drawing Social Security on my own (previously from deceased husband) as of March 2108.
My second husband is 69 drawing Social Security from his deceased spouse benefits.

Can he draw from my Social Security without affecting my dollar amount?
How does this affect my future Social Security?
When is it beneficial for him to draw from his own Social Security?

Hi,

If your husband could qualify for spousal benefits from your record it would have no adverse affect on your benefit rate. However, he could only be eligible for benefits on your record if 50% of your full retirement age rate (PIA) is higher than what he receives on his deceased wife's record. Your husband may want to check with Social Security to see if that's a possibility.

If your husband's own Social Security retirement benefit rate would be higher than either his current widower's rate or his potential spousal rate from your record, then he would want to start drawing on his own record no later than age 70. His retirement benefit rate will continue to grow until age 70 as long as he doesn't claim benefits on his own record until then.

Best, Jerry