My husband has worked, but also self employed and has not paid much in to it. Now he is tired and 63 and is ready to quit. I work for the government and have for about 37 years but I do not have the age to retire im 54. Can he get his social worker now and what issues my he encounter by doing so.

Hi,

I assume that you're asking whether or not your husband can get Social Security benefits now. If your husband has at least 40 Social Security quarters of coverage (QC), then he would be eligible for Social Security retirement benefits based on his own earnings. However, he could not qualify for any spousal benefits from your record at least until you start drawing your Social Security benefits.

If your husband claims benefits prior to full retirement age (FRA) his benefit rate will be reduced for age. And, if he's working, his benefits could be partially or fully withheld if he earns too much. For example, if your husband claims benefits this year and continues working, Social Security would need to withhold $1 of his benefits for each $2 that he earns in excess of $18,240.

You and your husband may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to do your Social Security planning.

Best, Jerry