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ShawnA
ShawnA, SS Expert, CPA, Professor, CFP. CGMA, Business Consultant, Professor, PFS , Decades of experience helping clients..
Category: Social Security
Satisfied Customers: 2884
Experience:  SS Expert, CPA, Professor, CFP. CGMA, Business Consultant, Professor, PFS I have decades of experience helping clients..
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My husband is 66 years old and still working and not collecting

Customer Question

My husband is 66 years old and still working and not collecting social security. I am 64 and will stop working end of July. Can I collect spousal benefits without reducing my husband's benefits? Will his benefits still accrue? Also, I want to start taking my own benefits as late as possible. If I take spousal benefits now, will I be able to receive my own benefits later. Will they be reduced in any way?
Thanks!
Submitted: 2 years ago.
Category: Social Security
Expert:  ShawnA replied 2 years ago.
Hello. My specialty is focusing on YOUR Financial needs. Financial Planner/Business Owner for 20 years. CPA,PFS,QFP,GMMA.
Unfortunately (please do not shoot the messenger) for you to collect spousal benefits he MUST be collecting.
I'll offer you a call because this confusing and I'll try to discuss in detail.
Customer: replied 2 years ago.
Thanks for responding so quickly but I actually got my answer from Soc Sec on the phone so don't need any help.
Expert:  ShawnA replied 2 years ago.
Hopefully I still get a great rating as I responded quickly and accurately.
I'll settle for even an ok rating, Thanks.
Expert:  ShawnA replied 2 years ago.
Please rate my response in order that I can close this question out.
It will cost you nothing extra to do so and will help me greatly.
Thank you so very much in advance.
Expert:  ShawnA replied 2 years ago.
Please rate me with an OK (at least). It costs you nothing extra and that is how I get paid.