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Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 12679
Experience:  Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986
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I took my social security before my husband started his. I

Customer Question

I took my social security before my husband started his. I drew ss off my wages. He is now drawing his and I want to verify that I am drawing off his. Does that automatically
happen or do I contact ssa? Thank you
Submitted: 1 month ago.
Category: Social Security
Expert:  Lane replied 1 month ago.

Hi, No, its not automatic. This is becasue, if a person is under full retirement age (FRA, age 66 for those born between 1943 and 1954) they don't have to switch right away.

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They can WAIT until they turn FRA to get the full 50% spousal benefit, rather than taking a reduced spousal benefit at, say, age 64.

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Making this change automatic would unfairly punish those who want to wait, to get the full unreduced spousal benefit.

Expert:  Lane replied 1 month ago.

Here's a good overview of this issue: http://www.kiplinger.com/article/retirement/T051-C000-S004-maximize-the-social-security-spousal-benefit.html

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Also you can apply for the spousal benefit online.

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Click HERE for Retirement, Spouse's, Medicare or Disability Benefits online.