Hi Larry, I have been receiving restricted spousal benefits for a few years now as I was born in 1953. I will be 70 in July and will switch to my own retirement benefits. Do I have to do anything besides fill out a new online application? Do I need to go in person to a Social Security office? Or will I be switched over automatically without having to reapply? So confusing. Thanks for any clarity you can provide.

Hi. You won't automatically be switched to your own benefits. Instead, you'll need to file an application for Social Security retirement benefits on your own account. I'm not sure whether or not Social Security's website will allow you to apply for your own benefits online, but if not you'll need to call Social Security to make an appointment to apply by phone or in person.

Best, Jerry