Ask Larry

Will I Still Be Able To File For Spousal Benefits At Age 66 And Not Touch My Own Benefits Until Age 70?

My husband is 74 and only receiving $1260 per month social security. I will be 66 in November 2018- a year and a half from now. Under the new laws is it possible for me to file spousal benefits (50% of what he is receiving monthly) and not touch my working benefits until I am 70 in order to maximize my earnings benefits at that age? Does the new laws prohibit me from collecting spousal benefits if I wait to file for my own social security benefits until age 70? The Government web page seems to imply that I can no longer do this and we had planned to do this for years to help us with our retirement. I was born in 1952 thank you for your time.


Good news! Since you were born prior to January 2 1954, you will still be able to file a restricted application for spousal benefits only at age 66, and then switch to your own record at age 70 (

Best, Jerry

Jan 26 2017 - 12:15pm
MaxiFi software running on a laptop
Get What's Yours!
Discover tens of thousands in extra retirement dollars with Maximize My Social Security software!
  • Find your maximized strategy
  • Unlimited what-ifs
  • Step-by-Step filing instructions
  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

Getting Started is Easy
Web-based software. Works on ALL browsers. No download.