Social Security Questions? Ask a Social Security Expert
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Unfortunately, you have to wait until your full retirement age before you have a choice to only receive your benefits based upon your wife’s earnings. If you do so now, the SSA will automatically give you a combination of both your own and your spouse’s earnings. Once you turn 66, you will be able to claim survivor’s benefits only and still earn delayed retirement credits.
I hope this answers your question. Please let me know if I can clarify anything or answer any additional questions. Thanks, Jonathan