I have been receiving benefits from my husband's account for three years on a restricted application. I would like to start benefits on my own account for one year at the age of 69. I will then withdraw my application, pay it back and then file again At age 70. I need the extra income but will have the money to pay it back in one year.

Hi,

There's likely nothing to prevent you from following your plan if that's what you want to do, assuming that you haven't previously withdrawn a claim. However, be prepared for potential processing delays. Social Security doesn't do anything very quickly, particularly since COVID-19 hit, so it will probably take them awhile to process your withdrawal request and second claim. Also, you'll need to be sure to file your withdrawal request within 12 months of your initial month of entitlement to benefits (https://www.ssa.gov/benefits/retirement/planner/withdrawal.html).

Best, Jerry