My husband just turned 66 and I will be 63 in November. I retired early and started receiving SS when I turned 62. Now that my husband turned 66, can he apply and suspend his SS while applying for spousal SS on my account? He is still working and plans to work for about 3 1/2 more years. Thank you.

Hi,

No, your husband should not file and suspend on his own record. If he does, it will prevent him from receiving a spousal benefit on your account.

What he should almost certainly do instead is file a restricted application for spousal benefits only now, and then file a separate application for benefits on his own record at age 70. In order to make sure that his application is restricted to spousal benefits only, he should be sure it contains a remark such as 'I wish to restrict the scope of this application to spousal benefits only.' or, 'I wish to restrict retirement benefits on my own account from the scope of this application.'

Best, Jerry