Hello
My husband and I are both 65. He is receiving SSDI . I know it will convert to regular SS when he turns 66. I would really like to file for my benefits even though I would be deemed as we really need the extra income. Somewhere I read or was told that if I were to take my benefits before FRA that my husband's SSDI would be converted to regular SS and be reduced. Is this correct.
Thank you
Helena

Hi Helena,

No, that's not correct. Your entitlement to benefits won't have any effect on your husband's benefits. However, your best strategy would likely be to wait until you are age 66 to file for spousal benefits only. That way you can allow your own benefit rate to grow by 8% per year until age 70.

You may want to strongly consider running the maximization software available on this website before applying for benefits.

Best, Jerry