I'm turning 65 soon. If I now claim my own social security benefit based on my 15 years past work history (I would get about $1000 a month), instead of waiting until I'm 66, and later, when my husband claims his social security benefit based on much higher earnings during a longer career (so I can get more by getting 50% of his benefit), may I switch to the Spousal Benefit at that time, say in 2 years when he (now age 64) will be 66?
Response 1: That would not be necessary. At the time Social Security Administration would pay you a combination of your benefits and your husband's benefits that would total a higher amount. In any event, you would not receive more than 50% of the benefits that your husband is entitled to. For more information, click on the link below:
Or, by taking my own benefit now, will my spousal benefit be frozen at 50% of his amount IF he were taking it NOW .... about 16% less for him than it will be in 2 years.
Response 2: See my previous response.
OR will my spousal benefit be computed from his benefit at HIS age when he starts benefits?
Response 3: See my first response.