When I get to be 66 can i recive my social security and still collect spousal benefits?

Hi,

No, you couldn't get both benefits in full. If you apply for both spousal benefits and Social Security retirement benefits based on your own work record, you'll only receive basically the higher of the two benefits. If your spousal rate is higher than your retirement benefit rate, Social Security would pay you your full retirement benefit plus a partial spousal benefit equal to the difference in the 2 benefit rates. Regardless of which benefit is higher, though, your total benefit rate would essentially amount to the higher of the 2 benefits.

Depending on a person's date of birth and family composition, people can in some cases draw spousal or survivor benefits first while allowing their own benefit rate to continue growing. You may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully explore all of your options so that you can choose the best strategy for maximizing your benefits.

Best, Jerry