Hi Larry, I am trying to plan for my retirement, I am 59. I was married 19 years to my first husband., who is retired military. I do receive a monthly retirement from him. I am remarried 20 years now. My second husband is 9 years younger than me. My question is, would I be able to draw off of my second husband if he is not of retiring age? will I need to draw on my own? I am wanting to retire at 62. Thanks you for your help. Lena

Hi Lena,

No, you couldn't receive spousal benefits from your current husband's record at least until he starts drawing either Social Security retirement or disability benefits. Nor could you collect benefits from your former husband's record while you're remarried.

I don't have enough information to give you any specific advice on claiming benefits, but you may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to analyze your various options so that you can determine the best strategy for maximizing your benefits.

Best, Jerry