Ask Larry

How Do I Switch From Spousal Benefits To Benefits On My Own Record?

Larry:

What is the process to switch from receiving spousal benefits to filing for benefits under your own earnings record/social security number?

I've scoured many social security websites but can't seem to find a concise answer.

Thanks

Hi,

You'll need to file a separate application to start benefits on your own record. If your own benefit rate is higher than the spousal benefit, the spousal benefits will stop when your own benefits start.

Applications can be filed up to 4 months in advance of the month you want to switch to your own record. You can make an appointment to file an application by calling 1-800-772-1213, or you can contact your nearest office: https://secure.ssa.gov/ICON/main.jsp.

Best, Jerry

Posted: 
Feb 1 2017 - 7:45am
MaxiFi software running on a laptop
Get What's Yours!
Discover tens of thousands in extra retirement dollars with Maximize My Social Security software!
  • Find your maximized strategy
  • Unlimited what-ifs
  • Step-by-Step filing instructions
  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

Getting Started is Easy
Web-based software. Works on ALL browsers. No download.