I am 73 and still working, am I entitled some of my husbands SS, he is also still working? He hasn't taken it yet but, just wondering, he is going to be 70, when must he take it? FYI- I've been collecting since I was 62 years of age..
If there is a fee for this question, I will opt out and call SS

Hi,

We don't charge a fee to answer questions.

You couldn't get any spousal benefits on your husband's record at least until he starts drawing his benefits. And, when he does, you'll only qualify for spousal benefits if 50% of your husband's full retirement age rate, or primary insurance amount (PIA), is higher than your own PIA. Even if you don't qualify for spousal benefits, though, you may qualify for survivor benefits if your husband dies before you and his benefit rate is higher than yours.

Your husband isn't required to file for Social Security ever, but in order to get his highest possible Social Security retirement benefit rate he would want to start drawing his retirement benefits effective with the month he reaches age 70. In the meantime, if your husband isn't already drawing spousal benefits on your record he probably should file for those benefits as soon as possible, assuming that he's already at least age 66. As long as your husband was born prior to January 2 1954, he could file just for spousal benefits only at age 66 or later while allowing his own retirement benefit rate to grow until age 70. Drawing spousal benefits in such a scenario would not adversely affect his own subsequent retirement age rate.

You and your husband may want to consider using our maximization software to explore your filing options so that you can be sure to claim all of the benefits to which you're entitled. There is a charge to use our software, though, which is explained on the 'For Households' link at the top of this page.

Best, Jerry