My husband is 66y/o started receiving Social Security August of 2021. When we applied we discuss with a SS rep, regarding me received 48.5 percent of my husbands SS check monthly. The rep stated yes I could get 48.8 percent after my husband started receiving funds. On Sept 14 I called the SS 800# and I was told I cannot received 1/2 of my husbands funds as previous discuss because I was not born before 1954. Apparently, the law changed a couple years ago and those of us born after 1954 are not eligible. Can you please tell me what is the correct policy receiving a percentage of your husband's SS funds? We had plan for me to delay my filing until I was 70.

Hi. Only people born prior to January 2 1954 are allowed to apply just for spousal benefits without also being required to apply for their own Social Security retirement benefits at the same time. So, assuming that you were born later than that then there's no way that you could draw spousal benefits while letting your own benefit rate grow until age 70. The above change in Social Security's law was passed by Congress in 2015, and you can read more information about it on the following Social Security website: https://www.ssa.gov/benefits/retirement/planner/claiming.html.

The best filing strategy for you and your husband depends on numerous different factors, so you may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze the options available to you in order to determine your best strategy for maximizing your benefits.

Best, Jerry