Full question: I’m 62 and stopped working, but not collecting Social Security yet. My husband is 69 and still working. Can he apply for Spousal benefits? Can I apply for Spousal benefits after he retires until I’m 67 and then apply for SS?

Hi there,

One spouse of a couple can only collect spousal benefits if the other one is collecting retirement benefits.

Retirees cannot switch from spousal to retirement benefits. If one spouse is collecting their retirement benefit and becomes eligible for a higher spousal benefit amount, they would receive an additional amount to bring their total up to the spousal benefit.

For more personalized support, you can work with an RSSA here.

Take care,
Martha

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