Full question: If I apply for Social Security at FRA, can I get half of my wife’s Social Security and let mine grow? She is 6 years older.

Hi there,

Unfortunately no, you cannot claim a spousal benefit and later switch to your own retirement benefit. When you apply for benefits, the SSA looks at both benefits you are entitled to and you will receive the higher amount of the two.

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

All the best,
Martha

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