Can you collect husbands social security

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Then, you can switch to your own retirement benefit as late as age You're eligible for spousal benefits if you're married, divorced, or widowed and your spouse is or was eligible for Social Security. Spouses and ex-spouses generally are eligible for up to half of the spouse's entitlement. You can claim benefits based on your own work history or on that of your spouse.

You'll automatically get the larger amount. It's one or the other. You don't get both. If you are no more than three months away from age 62, you can apply online or by phone. If you plan to put off applying to get the largest payment possible, wait until you're no more than three months from full retirement age.

That's 66 or 67, depending on your year of birth. Not quite. The percentage of your spouse's Social Security that you receive starts at The amount is based on your spouse's benefit at full retirement age.

The important point is this: Don't bother delaying past your full retirement age. The amount you receive won't grow beyond that age. That's a cap, by the way. If your spouse delays retiring until 70, the spouse gets more but you don't. There's a complicated formula for families in which more than one dependant is eligible for benefits.

It caps the maximum. Say you start collecting Social Security benefits at age 62 based on your own work history. Your spouse keeps working and delays filing until age If your spousal entitlement is higher, you can switch to that. To monitor your benefits or change them, you can create an account on the Social Security site. It contains a wealth of information and it allows you to make some changes online, although others require a phone call. Maximizing your spousal Social Security benefits is all about the timing, and the timing is determined by your circumstances as a couple.

If both partners work, they should investigate what each partner's individual benefit will be. Unless one partner earns massively more than the other, it will probably pay for both to file individually, waiting at least to full retirement age, if not to age 70, if possible.

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