We have had several different scenarios run by different investment firms and I will be collecting at 63.7, birth date 11.4.55, my husband will file restricted at 66, birth date 6.17.53, then file on his record at 70. My questions is when do we file, June 1, 2019 or July 1, 2019. I am concerned because your book states social security personnel do not always give the correct information and their mistake could cost us.

Hi,

If your husband was born June 17 1953, he would want to choose June 2019 as his month of election on his restricted application for spousal benefits only, provided that you are entitled to your benefits at that time.

If you haven't already done so, you may want to run the maximization software available on this website in order to be sure that you choose the best filing strategy.

Best, Jerry