Can I collect spousal benefit and wait until I am 70 to collect my own Social Security?

You can only collect spousal benefits and wait until 70 to claim your retirement benefit if both of the following are true: You were born before Jan. 2, 1954. Your spouse is collecting his or her own Social Security retirement benefit.

Can I take my Social Security at 62 and then switch to spousal benefit?

Only if your spouse is not yet receiving retirement benefits. 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. Again, Social Security will pay the greater of the two benefit amounts.

How do I switch from spousal benefit to my own Social Security?

You will have to file an application to switch from survivor benefits on a late spouse’s work record to retirement benefits on your own record. You should apply four months before you want your retirement benefit to start.

Can I collect half of my husband’s Social Security at 62 and still work?

You can collect spousal benefits as early as age 62, but in most cases, the benefits are reduced permanently if you start collecting early. If your own work history earns a higher benefit, you’ll receive that amount rather than the spousal benefit.

Can you draw 2 Social Security checks?

When you are eligible for two Social Security benefits — such as a survivor benefit and a retirement payment — Social Security doesn’t add them together but rather pays you the higher of the two amounts. If that’s the retirement benefit, then the retirement benefit is all you’ll get.

Can I take 1/2 of my spouse’s Social Security?

Your full spouse’s benefit could be up to one-half the amount your spouse is entitled to receive at their full retirement age. If you choose to begin receiving spouse’s benefits before you reach full retirement age, your benefit amount will be permanently reduced.

Can I get a tax refund if my only income is Social Security?

However, if you live on Social Security benefits alone, you don’t include this in gross income. If this is the only income you receive, then your gross income equals zero, and you don’t have to file a federal income tax return.

Can you collect 1/2 of spouse’s Social Security and then your full amount?

Can I collect widows benefits and my own Social Security?

The short answer is that you cannot collect both your own Social Security benefits and survivor benefits at the same time.

How long do you have to be married to collect Social Security?

You are correct that you must be married for at least 10 years to qualify for spousal benefits; however, for survivor benefits you must only be married for nine months. The amount you will receive if you qualify for survivor benefits depends on your age at the time you collect benefits.

Can both spouses collect full Social Security?

Both Spouses Can Get Social Security Benefits If both of you worked, you’re both entitled to a payout.

When can you start collecting Social Security?

You can start receiving your Social Security retirement benefits as early as age 62. However, you are entitled to full benefits when you reach your full retirement age. If you delay taking your benefits from your full retirement age up to age 70, your benefit amount will increase.

How do I apply for my husband Social Security?

Form SSA -2 | Information You Need to Apply for Spouse’s or Divorced Spouse’s Benefits. You can apply: By calling our national toll-free service at 1-800-772-1213 (TTY 1-800-325-0778) or visiting your local Social Security office.