My husband has been on total disability for 12 years I am not 62 and have NOT worked so I could be the one to care for him so should I draw off my own or can I draw from his record he draws 1678. A month I would only draw like 480. On my record

Hi. I'm assuming that you don't have a child in your care who eligible for benefits on your husband's record and who is under age 16 or is disabled. Since you were born after January 1 1954, whenever you apply for either your own benefits or for spousal benefits you'll be deemed to be applying for both benefits. You can then only be paid what amounts to the higher of the 2 benefit rates, although if your spousal rate is higher than your own benefit rate Social Security will pay you your own benefit plus a partial spousal benefit.

It sounds like the only decision you need to make is when to start drawing benefits. If you wait until your full retirement age (FRA) to start drawing, you'll be paid the higher of your own primary insurance amount (PIA) or 50% of your husband's 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), or their full Social Security disability (SSDI) benefit rate. But, if you start drawing prior to FRA your benefit amount will be reduced for age. If you start at age 62, that reduction will amount to something between 30% and 35%.

You may want to 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