Elder Law Answers
Married Couples Can Maximize Their Social Security Benefits Using File and Suspend
Are you married, with one spouse wanting to retire but the other one prepared to keep working?
Read moreCan I Receive Social Security Benefits on My Husband's Work Record While He Is Still Working?
- November 3rd, 2015
Q
I am 65 1/2 years old, and as a homemaker I have never been employed. Am I eligible for some Social Security benefits while my 65-year-old husband is still employed?
A
UPDATE: Under a new law that will go into effect on April 30, 2016, a spouse cannot collect Social Security benefits until the worker is actually receiving benefits too.
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When both you and your husband have reached age 66, your husband can file for his benefits and immediately suspend them. This will allow you to begin receiving benefits based on his work record, while his own benefit continues to grow until he reaches age 70. Here’s a link to a more detailed explanation of this claiming strategy: http://www.elderlawanswers.com/married-couples-can-maximize-their-social-security-benefits-using-file-and-suspend-12243
Last Modified: 11/03/2015
