Can I collect a spousal benefit at age 62 and then delay and switch to my own benefit at my full retirement age?Published: December 9, 2021
If you are eligible for more than one Social Security benefit, when you apply you will be “deemed to be filing” for all the benefits you are eligible to collect and you will receive the higher amount.
This means that you cannot take one benefit and delay collecting the other.
You will receive your own benefit amount and if the spousal benefit is higher, you would receive an additional spousal amount.
For example: If you are eligible for a $1,500 spousal benefit but you are also eligible for your own retirement benefit of $1,000, then you would receive the $1,000 on you own record and the remaining $500 from the spousal benefit.