Hello Larry. Thanks for your wisdom. I’m asking this question for my brother-in-law and sister-in-law. He was born in April and she in November 1951. Knowing nothing about spousal benefits she began drawing on her own Social Security record when she was 62. He did not file until he was at full retirement age this past year. Is it too late for my sister in law to begin drawing spousal benefits on his record he was the higher earner. Thank you.

Hi,

It's not too late for your sister-in-law to file for spousal benefits, but she'll only be eligible if 50% of her husband's full retirement age rate (PIA) is higher than her own PIA. She should be able to find out if she's eligible by contacting Social Security.

Best, Jerry