Switching benefits

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If my wife claims spousal benefits early, will she still be entitled to full survivor benefits?

Full question: If my wife claims Social Security at age 62 (based on my earning as I am high earner), will she get full survivor benefits at her full retirement age. Hi there, Thank you for reaching out. If your wife claims Social Security spousal benefits at age 62 based on your earnings as the…

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Can my wife switch from her benefit to a spousal benefit once I start collecting?

Full question: Hi I’m 68 and not collecting Social Security yet. My wife 66 started collecting on her record a year ago. When I start to collecting can my wife step up to spousal benefit if it’s higher? Hi there, Yes, when you start collecting your Social Security benefits, your wife may be eligible to…

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Can I collect survivor benefits now and claim my own benefits later?

Full question: Hello. My husband was collecting disability through social security and he passed away. I was planning to retire in August. Would it be possible to claim survivor benefits until I am old enough to claim my own benefits? Hi there, Yes, you can claim survivor benefits based on your late husband’s Social Security…

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Can I collect a survivor benefit now before collecting my own benefit at 70?

Full question: I’m 67 and my financial advisor is working with me to delay collecting until age 70. My wife was collecting Social Security since 2018 until her passing two months ago. Can I claim surviving spouse benefits until 1 turn 70? Hi there, Yes, since you are over the age of 60 and your…

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Can I apply for spousal benefits once my husband’s SSDI converts to Social Security retirement benefits at his FRA?

Full question: I have a question regarding drawing on spousal benefits. Here is our scenario: My husband became eligible and started drawing on SSDI at age 61 in December 2021. He will reach FRA age in Sept 2027. (DOB Sept 1960). This is when his SSDI will convert over to SS retirement benefits. As a…

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Can my husband collect spousal benefits now and switch to his own at age 70?

Full question: My husband and I are both retired. He is 68 and I am 62 and his salary has always been significantly higher than mine resulting in a higher benefit. I am planning on filing for Social Security this year at age 63 in July 2025. Can he file for spousal benefits? My husband…

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