I am 65, husband is 63. I can collect social security early now but if I do, can I later change to collecting social security based on husbands income record, which is higher, when he is retirement age?
Thank you.

Hi,

No, you can't start out drawing retirement benefits on your own record and then subsequently switch to spousal benefits. You could, however, potentially start out drawing on your own record, and then receive additional spousal benefits when your husband starts drawing his benefits.

For example, say Jane files for retirement benefits at age 65. Her full rate (PIA) is $800, but her reduced retirement rate is $746. Jane's husband John files for his benefits when Jane is 66, and his PIA is $2000. Jane's spousal rate would be calculated as 50% of John's PIA minus her own PIA, or $200 (i.e. $2000/2 - $800). Jane would then receive her own reduced retirement benefit plus her spousal benefit, or a total rate of $946.

You and your husband should strongly consider using the maximization software available on this website to explore all of your filing options and determine your best overall strategy.

Best, Jerry