Can I file for my Social Security at 62 and switch to spousal benefits later?
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Can I file for my Social Security at 62 and switch to spousal benefits later?
In this case, you can claim your own Social Security beginning at 62 and make the switch to spousal benefits when your husband or wife files. That includes if you file early for your retirement benefit — say, at 62, as in this scenario — and switch to spousal benefits later.
What is the best social security strategy for married couples?
Social Security tips for couplesA couple with similar incomes and ages and long life expectancies may want to consider maximizing lifetime benefits by both delaying their claim.For couples with big differences in earnings, consider claiming the spousal benefit, which may be better than claiming your own.
At what age can a wife collect her husband’s Social Security?
62 years old
When can my wife claim spousal benefits?
You qualify for spousal benefits if: Your spouse is already collecting retirement benefits. You have been married for at least a year. You are at least 62 (unless you are caring for a child who is under 16 or disabled, in which case the age rule does not apply).
How spousal benefit is calculated?
Spousal benefits are calculated using both your Primary Insurance Amounts and your spouse’s Primary Insurance Amount. To determine if you are entitled to a spousal benefit, if your own Primary Insurance Amount is greater than 50% of your spouse’s Primary Insurance Amount, you are not entitled to a spousal benefit.
Can I collect spousal benefits and wait until I am 70 to collect my own Social Security?
En español | You can only collect spousal benefits and wait until 70 to claim your retirement benefit if all of the following are true: You have reached your full retirement age. Your spouse is collecting his or her own Social Security retirement benefit.
