i turned 66 in 2018 my husband will be 65 in july 2018 can we file and suspend

Hi,

You could file for and suspend your retirement benefits effective with the month you turn age 66, however, it would almost certainly do you no good. Your husband couldn't receive spousal benefits on your record while your benefits are suspended, and he couldn't claim spousal benefits prior to age 66 without also filing for his own retirement benefits (https://www.ssa.gov/planners/retire/claiming.html?intcmp=AE-RET-PLRT-REL...).

It sounds like you and your husband do have numerous potential filing options available to you, though, and your best strategy depends on your relative benefit rates in addition to several other factors. You and your husband should strongly consider using our maximization software in order to compare your filing options and determine your best strategy.

Best, Jerry