Ask Larry

If I File for Spouse's Benefits at My FRA, Can I File for My Retirement Benefit at Any Time Before Age 70?

I have spent hours trying to find an answer to this question, please help I need to decide soon!
If I file for spousal benefits at FRA but later find I need more money can I file for my own benefits at any time before age 70 or must I wait until age 70?

Lynn,
Yes, you can file for your retirement benefit at any time before age 70.
Best,
Mike

Posted: 
Jul 3 2016 - 8:00pm
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.