I am currently receiving disability pay from SSD. I am age 61 and married to my 65 year old husband. He is currently drawing his social security. When I turn 62, should I change my benefits to early social security vice disability pay?

Hi,

Almost certainly not. In theory you could switch from disability (SSDI) to retirement benefits at age 62, but that would just reduce your benefit rate by roughly 30% unless your SSDI is being reduced due to the receipt of workers compensation or a public disability benefit. Furthermore, switching from SSDI to retirement benefits would have no effect on your potential eligibility for spousal benefits.

Even if you continue receiving SSDI you could potentially be eligible for additional spousal benefits at age 62, but only if 50% of your husband's full retirement age rate (PIA) is higher than your full SSDI rate. However, if you do qualify for additional spousal benefits, your spousal rate would be reduced for age if you start drawing prior to your full retirement age. Our maximization software could help you determine what options you have so that you can determine your best course of action.

Best, Jerry