Ask Larry

Can My Husband Claim Spousal Benefits At His Full Retirement Age?

Can my husband claim spousal benefits at FRA? I am 61 and thinking about claiming social security benefits next year (age 62) and possibly working very little (very part-time) for another year or two. My husband is 63, receives a pension from the military (retired Marine officer), and doesn't plan to claim social security benefits until age 70. He works part-time and may continue doing this for a couple of more years. Can he claim spousal benefits at his FRA of 66 years and 2 months? We have almost exact social security benefits.
Many thanks!

Hi,

It doesn't sound like it. You would have to be drawing your benefits in order for your husband to claim spousal benefits, but unless he was born prior to January 2 1954 he couldn't claim spousal benefits without also being deemed to be filing for his own retirement benefits (https://www.ssa.gov/planners/retire/deemedfaq.html).

You and your husband should strongly consider using the maximization software available on this website to compare your filing options and determine your best overall strategy.

Best, Jerry

Category: 
Posted: 
Jan 5 2018 - 6:41am
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