How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Phillips Esq. Your Own Question
Phillips Esq.
Phillips Esq., Attorney-at-Law
Category: Social Security
Satisfied Customers: 19649
Experience:  B.A.; M.B.A.; J.D.
16551887
Type Your Social Security Question Here...
Phillips Esq. is online now
A new question is answered every 9 seconds

I'm turning 65 soon. If I now claim my own social security

Customer Question

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? 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. OR will my spousal benefit be computed from his benefit at HIS age when he starts benefits?
Hope I'm being clear.
Submitted: 1 year ago.
Category: Social Security
Expert:  Phillips Esq. replied 1 year ago.

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:

https://www.ssa.gov/planners/retire/applying6.html#&a0=0

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.