Could I File For Spousal Benefits And Wait Until Age 70 To Start My Benefits?

Jun 26 2020 - 10:12am

I am FRA(66) and still working and thinking of retiring. I am married and he is retired and drawing SS. I wanted to know if I could file for spousal benefits and wait to start mine at age 70. I was born March of 1954.
Thank You


Unfortunately, no you can't. Only people who were born prior to January 2 1954 are permitted to apply just for spousal benefits without also being required to file for their own benefits at the same time.

I don't have enough information about you and your husband's to offer you any advice, but the two of you should strongly consider using our software ( to analyze your various options so that you can determine your best strategy for maximizing your benefits.

Best, Jerry