If I am almost two years younger than my husband, and I don't have enough credits for social security paid in, can I still get spousal benefits even if he hasn't started to draw on his own or retired yet? Do I have to wait until he retires and draws his before I am allowed to draw on his? Thank you

Hi. Yes. You can't qualify for spousal benefits on the account of a current spouse unless your spouse is drawing their Social Security retirement or disability benefits (https://www.ssa.gov/OP_Home/handbook/handbook.03/handbook-0305.html).

Your best strategy for claiming benefits depends on a number of different factors, so you and your husband should strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully compare and analyze all of your various options so that you can determine the best overall strategy for maximizing your benefits.

Best, Jerry