I filed for my benefits at 62 in 2017. When my husband turns 66 in 4 years , can he do a file and suspend ? If yes, than can I suspend my benefits and apply for spousal benefit under his SS? After that, then can I file for my own benefit at age 70?

Thank you,
Connie

Hi Connie,

Your husband could file for and suspend his retirement benefits at his full retirement age (FRA), but that wouldn't enable you to draw spousal benefits even if you suspended your own retirement benefits. You could suspend your retirement benefits at FRA or later in order to earn delayed retirement credits (https://www.ssa.gov/planners/retire/delayret.html), but you couldn't draw spousal benefits while your own benefits are suspended (https://www.ssa.gov/planners/retire/suspendfaq.html).

You and your husband should strongly consider using our maximization software in order to explore your filing options and determine your best overall strategy for claiming benefits.

Best, Jerry