My husband will be 58 in Feb and I will be 61 in March. I've not worked for the past 19 years. My husband is a high earner and plans to wait until 70 to draw on his benefit (estimated to be $3514 at age 70) His estimated benefit at FRA 67 is $2825. My estimated benefit at FRA 66 & 6 month is $905 a month & $1159 at age 70. Is there any reason for me to be concerned with my higher benefit amount at age 70 if I'm able to draw 50% spousal benefit once my husband is drawing his? Shouldn't I be drawing my $905 from age 66.5 until my husband is 70 (6.5 years X $905= $70,590)? Then when I'm 73 take 50% spousal benefit from that point on?

Hi,

No, there would almost certainly be no reason to wait past your full retirement age (FRA) to start drawing your retirement benefits if your age 70 rate would be less than 50% of your husband's full retirement age rate.

Best, Jerry