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Ask Rusty – Can I Claim My SS Now and Switch to Spouse Benefits Later?

April 21, 2021 | Presenting: Russell Gloor - AMAC Foundation Social Security Advisor

I am 62 and have been a homemaker for much of my adult life. I have a small Social Security account from working years ago. My husband is older, has been the major wage earner and will have a good amount in Social Security when he claims.

I have been told that I should claim my social security now. It’s a small amount – about $475 per month if I claim it now, and $550 after I’m age 66 – so it’s not a life changing difference. But if I claim mine now, when my husband reaches his full retirement age can I switch to claiming spousal benefits on his account? I understand I would no longer get mine, but I’m pretty sure my benefit from him will be a much larger amount. Signed: Inquiring Homemaker

This recording presents the viewpoints of the AMAC Foundation’s Social Security Advisory Staff, trained and accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). NSSA and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government. To request additional information, contact our Advisory Staff at 888-750-2622, or email us at [email protected].