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Megan C
Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 16576
Experience:  Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
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Can I collect a spousal benefit if my spouse retired at 62

Customer Question

can I collect a spousal benefit if my spouse retired at 62 (I will retire at FRA)
Submitted: 1 year ago.
Category: Social Security
Expert:  Megan C replied 1 year ago.

Thank you for your question,

If your spouse is getting benefits, then you will also qualify for a spousal benefit -- and once you are full retirement age you can get 50% of their benefit amount. If you retire between 62 and your full retirement age, then your benefit will be reduced.

If you have a benefit which is larger on your own account, you may want to draw that instead. You could also draw the smaller spousal benefit at full retirement age and then allow yours to continue to grow -- however you must retire at full retirement age and not before to get this treatment.

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