Javascript is not enabled.

Javascript must be enabled to use this site. Please enable Javascript in your browser and try again.

Can I Start Spousal Benefits and Claim My Own Social Security Later? Skip to content

Rethink your job search with the AARP job board. Find opportunities for experienced workers today.

 

Can I collect spousal benefits and wait until I am 70 to collect my own Social Security?

En español 

Only if:

  • You were born before Jan. 2, 1954.
  • You have reached your full retirement age.
  • Your spouse is collecting his or her own Social Security retirement benefit.

This makes you eligible to file a “restricted application,” which allows you to collect a spousal benefit while delaying benefits on your own earnings record. To do so, you should state in the remarks section of the application form that you wish to exclude your retirement benefit from the scope of your Social Security claim.

Under a law Congress passed in 2015, people born after Jan. 1, 1954, cannot file a restricted application, regardless of how old they are when they file for benefits. They are covered by what Social Security calls “deemed filing.” When they claim retirement benefits, they are also deemed to be claiming any spousal benefits they are entitled to, except under narrow circumstances.

Keep in mind

  • If you were born after Jan. 1, 1954, there are only two exceptions to the deemed-filing rule. It does not apply if you receive spousal benefits because you are caring for a child who is under 16 or disabled, or if you get spousal benefits and are also entitled to Social Security disability payments.

Published October 10, 2018

Join the Discussion

0 | Add Yours

Please leave your comment below.

You must be logged in to leave a comment.

GO TO THIS ARTICLE