Social Security Questions? Ask a Social Security Expert
Generally when you qualify for benefits on your own record, SSA will pay that amount first. If the benefit on your spouse’s record is higher, you'll get an additional amount on your spouse’s record so that the combination of benefits equals that higher amount.
If you were born before January 2, 1954 and have already reached 65 (full retirement age), you can choose to receive only the spouse’s benefit and delay receiving your retirement benefit until a later date.
You can delay your own and just request spousal.
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