My exhusband will be 66 which is his full retirement age in a year and a half. I was wanting to draw off him at 62 . Will I get reduced benefits off him because I wont be at 66 and 10 months?

Hi,

Yes, if you start drawing divorced spousal benefits any time prior to your full retirement age (FRA) your benefit rate will be reduced for age. Furthermore, whenever you file for divorced spousal benefits you'll be deemed to also be filing for your own retirement benefits if you have enough work credits to qualify for those benefits. In that case you'll only receive the higher of the two benefit rates, and the rate you receive will be reduced for age if you file prior to FRA.

It sounds like you should strongly consider using our software to explore and compare your filing options so that you can choose the best possible strategy for claiming your benefits.

Best, Jerry