I have been taking SS benefits since age 62, my husband since age 65.
I am now 75 and he is 74.
Am I eligible to switch to my husband’s SS benefits?

Hi. No, you couldn't actually switch from drawing your own benefits to drawing spousal benefits. Once you start drawing your own Social Security retirement benefits, those benefits continue for life. But, if you later become eligible for a higher benefit rate as a spouse or survivor, you can apply for an excess spousal or survivor benefit. If you qualify for excess spousal or survivor benefits, Social Security then pays you an additional, or partial, spousal or survivor rate in addition to your own benefit.

You can apply for an excess spousal benefit from your husband's account, but you'll only be eligible if 50% of his primary insurance amount (PIA) is higher than your own PIA. A person's PIA is equal to their Social Security retirement benefit rate if they start drawing their benefits at full retirement age (FRA).

Best, Jerry