Social Security Questions? Ask a Social Security Expert
My name is***** and I will be helping you with your question today. This is for informational purposes only and does not establish an attorney client relationship.
No, the credits you get for deferring your social security past retirement age are not subject to the spousal share of social security. Also, your spouse cannot take the spousal share if you are not currently receiving your social security benefit. So he cannot take his benefit until you take your social security anyway.
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No it will not change. You will gain the ability to share each other's Social Security benefits. Even if you've never worked a day in your life, you can collect a portion of your gainfully employed spouse's benefits. If you wait until both of you are full retirement age -- 66 for most people -- you get 50 percent. If you take benefits before your full retirement age, you'll get less, depending on how soon you take them. So to answer your question, no your benefits will not change unless you want to take the 50% spousal share if it is more.
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