I will turn 62 on September 21,2017.
Husband is 67 and took his social security at age 64.
My question is :
1) Since I wil make an estimated $50 k this year, which is about $40k higher than some of my earlier years of
working...could this increase the amount I might get at 62 ?

2)Should I wait til January of 2018 to file ?

3) Could I claim a spousal benefit and delay mine in order to get full benefits at 62 ?

Hi,

1) It sounds like your earnings this year will likely cause your retirement benefit rate to increase, but your 2017 earnings can't be used in the calculation of your benefit rate until January 2018.

2) When to start drawing benefits is a personal decision that depends on many factors. But, if you will earn $50K this year and more than $1410 all months, then you probably couldn't draw benefits any earlier than 2018 due to Social Security's earnings test (https://www.ssa.gov/planners/retire/whileworking2.html).

3) No, you couldn't file for spousal benefits at any time without also being deemed to file for your own retirement benefits (https://www.ssa.gov/planners/retire/deemedfaq.html).

You should strongly consider using the maximization software available on this website in order to compare all of your options and determine your best filing strategy.

Best, Jerry