I am 63 (64 this year), working part time. My husband will be 58 this year working full time. We are married over 30 years. A friend told me that I am able to collect against my husbands social security now, and continue working, until I reach my retirement age of 66. Is this true ?

Hi,

No, that's not true. You can't qualify for spousal benefits until your husband starts drawing his benefits, and if you filed for spousal benefits before full retirement age, you would also be forced to file for reduced retirement benefits on your own record. In addition to that, there is an earnings test (https://www.ssa.gov/planners/retire/whileworking2.html) that could limit or preclude you from receiving benefits prior to full retirement age, depending on the level of your earnings.

You may want to strongly consider running the maximization software available on this website in order to determine the best filing strategy for you and your husband.

Best, Jerry