My husband currently collects ss since age 64 but he is still working full time would I be able to collect more then then his current monthly benefit he will be 73 years old

Hi. If you're collecting spousal benefits and if your husband's benefit rate increases as a result of his new earnings, then your spousal rate would also go up. Your husband's Social Security retirement benefit rate is based on an average of his highest 35 years of Social Security covered wage-indexed earnings, so your husband's current and future earnings will only increase his benefit rate if they're higher than one or more of the 35 years currently being used to calculate his benefit rate.

If you're collecting your own benefits and not spousal benefits, then the only way you'd qualify for spousal benefits is if 50% of your husband's primary insurance amount (PIA) is more 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). You may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze all of your options so that you can determine your best strategy for maximizing your benefits.

Best, Jerry