Ask Larry

Can I Still File Just For Spousal Benefits At Age 66 And Then Switch To My Record At Age 70?

the wife and I will both be 66 in 2018
wife is now on SSDI
when we turn 66 can I apply for a spousal benefit
and then switch to my own benefit at age 70?
I am hearing different answers but thought people born in 1953 and before could still do this switch
or does the wife taking SSDI before age 66 rule this option out for me?
thanks!

Hi,

Yes, since you were born before January 2 1954 you still have the option of filing just for spousal benefits at your full retirement age of 66 and allowing your own benefit rate to grow until age 70. Before filing, though, you may want to use the maximization software on this website to make sure that's your best filing option.

Best, Jerry

Posted: 
Oct 13 2017 - 5:17am
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