I will be 62 in Aug, i don't plan to retire or collect at this time. My husband will be 65 in Aug and is retired and collecting his earned social security. My social security earnings have been much higher than his. Can he apply to get any of my social security benefits even tho I am not collecting yet?
Not yet. He can apply for his own benefit now, and when you reach full retirement age, apply for social security benefits and then he can get the higher spousal benefit.If you don't want to start your own benefit until age 70 (which is when you get the max amount) then you can file at age 65, and then suspend your application. This allows your spouse to apply for the benefits, and then allows you to leave your social security benefit to grow to its max amount at age 70. When you turn 70, you get your benefits and he gets the full 50% benefit on the new maximum amount.
He is getting his social security now because he asked for it at age 62. Can i apply at age 62 and then suspend so he can benefit from my higher amount now?
No, file and suspend is only available once you reach full retirement age. Once you file at full retirement age, then he can get spousal benefits, regardless if you decide to suspend your application or not.
ok thanks for the information I was miss informed from the social security office. One more question....If i do retire before my FULL retirement age which I am pretty sure is 66 say at 63 can he collect then or is it only at my FULL retirement age?
If you retire early, both your benefit and your spousal benefit will be reduced. He can still collect a spousal benefit. Since he's over his full retirement age, he could still work and draw the full spousal benefit However, your benefit would be reduced $1 for every $2 you make over $14,640 annually.