How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Megan C Your Own Question
Megan C
Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 16576
Experience:  Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
23669918
Type Your Social Security Question Here...
Megan C is online now
A new question is answered every 9 seconds

I will be 63 in December and am considering retiring. According

This answer was rated:

I will be 63 in December and am considering retiring. According to my information I would receive around $600.00 a month in SS. However, I have heard that I can opt to take half of my husband's SS instead which would be around 980.00 per month. Is this true? He is 66 and receiving his full SS check. If this is true, what happens when I turn 66 and can receive my full SS check, which I am sure would still be lower than half of his SS.

Megan C :

I realize you have a question about social security. My goal is to provide you with excellent service, and help you better understand your options.

Megan C :

How are you today?

Megan C :

You are correct that you can get up to 1/2 of your husband's social security check. However, you are under full retirement age, therefore your benefit would be about 35% of his benefit. If you wait to age 66 you will get a full 1/2 of his benefit.

Megan C :

You cannot draw the spousal benefit early and then switch to your own benefit at age 66 - you could, but your benefit would be reduced just as if you had drawn at age 63

Megan C and 3 other Social Security Specialists are ready to help you
Thanks, Judy for your positive rating. Please come back and visit me any time you have a question that needs answered. It was a pleasure working with you today.

Thanks!