Ask Larry

Can I Draw On My Husband's SS?

I am 62 and I'm on disability my husband is 58 also on disability. My ? Is can I draw on his SS till he is old enough to get SS ?

Hi,

When you say that you and your husband are on disability I assume you mean that you're both drawing Social Security disability (SSDI) benefits. In that case you may be able to claim spousal benefits, but you could only potentially qualify for additional spousal benefits if your husband's primary insurance amount (PIA), which is equal to his full SSDI benefit rate, is more than twice as much as your PIA. If you do qualify for spousal benefits, though, and if you choose to start drawing them prior to your full retirement age (FRA) then your spousal rate will be reduced for age, and that reduction would continue to apply for as long as both you and your husband are living.

Best, Jerry

Category: 
Posted: 
Jun 1 2020 - 7:53am
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