Social Security

Social Security

# If I take my social security at 63 when my husband takes his

social security at 66 can...
If I take my social security at 63 when my husband takes his social security at 66 can I take 1/2 of his when I reach 66 and will it be for the full amount or will it be at a reduced amount since I took my ss at 63?
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7/9/2013
Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 16,581
Experience: Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
Verified

MyVirtualCPA :

MyVirtualCPA :

Your benefit would be reduced, since you drew your social security benefit early

MyVirtualCPA :

They would calculate your benefit by taking 1/2 of your husband's benefit, and subtract out what your benefit would have been had you retired at full retirement age

MyVirtualCPA :

and take that amount, and add it to what you are currently drawing.

MyVirtualCPA :

So, if half your husband's benefit is \$1,200 and your full retirement age benefit is \$1,000 and you are drawing \$750 because you drew early,

MyVirtualCPA :

you will take \$1,200 - \$1,000 = \$200 and add \$200 to \$750. Your benefit would be \$950, not \$1,200

Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 16,581
Experience: Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
Verified
Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 16,581
16,581 Satisfied Customers
Experience: Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level

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