What if the ex spouse started their Social Security benefits recently at 65, can the other spouse still receive deferred retirement credits on their "spousal benefit" if they should wait past their Full Retirement Age to file? Thank you

Hi,

Sorry, I'm not sure I'm understanding your question correctly. Delayed retirement credits (DRC) are not paid on spousal benefits, so no one should voluntarily wait past full retirement age to apply for a spousal or divorced spousal benefit.

If your ex-spouse is receiving benefits on your record, it doesn't limit your own filing options. You could still potentially file for a divorced spousal benefit on your ex's account at full retirement age, then switch to your own account at age 70. This option is only available to people born prior to January 2 1954, however, and your ex would need to be insured for Social Security benefits on their own record.

Best, Jerry