Hi Larry,
My wife is 64 and currently receives a Social Security Disability benefit. When she turns 66 in 2019, her benefits will convert to retirement benefits. At that time, I will also be at FRA but will have yet to claim my own retirement benefit. At the time her disability benefit converts to a retirement benefit, can I claim a spousal benefit to receive 1/2 of her benefit and defer my own retirement benefit until age 70?

Hi,

Yes, since you were apparently born prior to January 2 1954 you could file for just spousal benefits only as early as the month you reach full retirement age (FRA) even if that's prior to the month your wife's disability benefits (SSDI) convert to retirement benefits. Your wife just needs to be drawing either retirement benefits or SSDI in order for you to potentially qualify for spousal benefits. You could then allow your own benefit rate to grow until age 70.

Although the strategy outlined above may well be your best strategy, you may want to consider using our maximization software in order to make sure you aren't overlooking something.

Best, Jerry