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Can I receive my spouse benefit at 62, even if my own benefit would be higher? I would like to hold off taking my own benefit so that it will be higher when I do take it.

No. If at age 62 your own benefit is higher than your spousal benefit would be, you cannot receive the spousal benefit.

However, if you wait until the full retirement age to receive benefits, you can then file for only the spouse benefit and wait until a later date to file for your own retirement benefit, which will continue to rise until you reach age 70.

The Bipartisan Budget Act of 2015 changed the law.  Individuals born after January 1, 1954 will not be able to file a restricted application for spouse’s benefits, even if they are full retirement age.

 


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