Question regarding disability spousal benefits
Hello, My husband has been on SSDI for 20 years. He will turn 65 this month and I will be 65 in July. Can I just apply for my spousal benefit based on his SSDI even though we are not yet 66 or will I be deemed and have to take my own benefit as well.
Thank you
Phyllis

Hi Phyllis,

Your husband's age isn't pertinent to your question. It you were born prior to January 2 1954, you can file for spousal benefits only at age 66 and allow your own benefit rate to grow until age 70. If you were born after January 1 1954, or if you file before your full retirement age, you will be deemed to file for both spousal and retirement benefits whenever you file for either one.

The maximization software on this website can help you determine your best filing strategy.

Best, Jerry