I am born November 1952. My wife started her Social security at FRA January 1, 2018. I would like to take my wife's spousal benefit in November 2018 (my FRA) and delay taking my full benefit until age 70. Is this a good strategy and what do I need to do when I file?
Thanks

Hi,

What you propose is likely a good strategy, but you may want to consider using our maximization software to be sure.

You can file for Social Security benefits up to 4 months in advance of the month that you want to start drawing benefits, so to follow your strategy you could file as early as July 2018. You can file your application online at SSA.gov or by phone or in person at a Social Security office. You would want to specify on your application that you are filing just for spousal benefits only effective with November 2018, unless you happen to have been born on November 1st in which case you'd elect October 2018. You would then need to file a separate application for benefits on your own record when you reach age 70.

Best, Jerry