Hi Larry,
My husband has earned far more than I have in our working life. He plans to file for SS at 70. I will be 62 at that time. We also have an adult child with a developmental disability who receives SSI. Will both our child and I be able to use my husband's work history to increase our individual benefits?

Hi,

Yes, it sounds like both you and your adult child could qualify for benefits on your husband's record when he files and starts drawing benefits. However, your child's SSI benefits will be reduced essentially dollar for dollar by any Social Security benefits he or she receives.

Your family's circumstances are actually pretty complicated as far as Social Security options are concerned, so you may wish to run the maximization software available on this website. There are a number of different filing strategies to choose between, and the software will help you to determine which of them is optimal for your family.

Best, Jerry