My wife is 70 (born 8/1947) and just began receiving Soc Security, having waited until age 70 to maximize retirement credit. Soc Security administrator encouraged me (age 68, born 1/1949) to apply for spousal benefits. I am waiting for my full benefits until age 70 to maximize credits. Will taking spousal benefits now affect my full retirement credits if I take spousal benefits now and shift to my own benefits at age 70?

Hi,

No, receiving spousal benefits now will have no adverse affect on your own future retirement benefit rate.

Best, Jerry