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PDtax
PDtax, CPA firm owner
Category: Social Security
Satisfied Customers: 4093
Experience:  35 years tax and professional advice in all matters money
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My husband signed up at age 62. He is now 68. He receives

Customer Question

My husband signed up for SS at age 62. He is now 68. He receives $275 per month. If he had signed up as my spouse he could have been receiving half of my SS or $500 per month. Can he make this change now? Perhaps, we could pay back the $19,800 he has received then collect the larger amount.
Submitted: 1 year ago.
Category: Social Security
Expert:  PDtax replied 1 year ago.

Hi from just answer. I'm PDtax, and will assist.

When he claimed early on his own work record, that locked in a lot of what he could claim. The same discount he took to collect at age 62 would have applied to a spousal benefit, if he was eligible for a full one (if you were 66 when he was 62). He would have lost 28% or so of either his benefit or a spousal.

It's also too late to pay back all his benefits. You have to do that within 12 months of starting to collect.

He could put in for a spousal benefit, which might be higher than his current benefit, assuming you are at full retirement age yourself.

Sorry the news isn't better. The early election sets a lot of social security options.

Thanks for asking at just answer. Positive feedback is appreciated. I'm PDtax.

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