I was born Feb.21.1953, my husband was born 7/7/1960. If I start to draw my SSC next year at 66, when he retires if spousal benefit is more off his can I switch and start drawing off his?

Hi,

You couldn't switch to your husband's record, but you could potentially receive additional spousal benefits when your husband starts drawing.

For instance, say Jane files for her retirement benefits at full retirement age (FRA) and receives $500. Jane's husband subsequently files for his benefits with a full retirement age rate (PIA) of $2000. Jane would then be eligible for a spousal benefit of $500, which would be calculated by subtracting her full rate (PIA) from 50% of her husband's PIA. Jane would then receive her own benefit rate plus the additional spousal rate for a total of $1000.

You and your husband may want to strongly consider using the maximization software available on this website in order to make sure that you choose the best possible filing strategy.

Best, Jerry