A bit of planning advice: Since your husband isn't filing until 2027, make sure you keep detailed records of your application for your own benefits now, and then set a reminder to apply for the spousal benefit when he files. Many people forget this second step and miss out on increased benefits for months or even years. The SSA doesn't retroactively pay these benefits beyond 6 months in most cases.

Just wanted to add another important point - when you do apply for your own benefits this summer, make sure to tell SSA that you plan to apply for spousal benefits later when your husband files. They should make a note in your file about this. Also, if your husband is still working when he reaches FRA in 2027, he might want to consider the "file and suspend" strategy... oh wait, that ended in 2016. Never mind that part! But definitely mention the future spousal benefit application when you file your initial claim.

One last thing to consider: since you're 68 and already past your Full Retirement Age, when you do eventually qualify for spousal benefits, you won't face any reductions for early filing on your end. You'll be eligible for the maximum spousal benefit (up to 50% of your husband's Primary Insurance Amount). However, since it sounds like your own benefit is already established, you'll only receive the difference if the spousal amount is higher. I'd recommend scheduling an appointment with SSA when your husband gets closer to 62 to review all your options at that time.

I just wanted to add one more perspective as someone who worked in Social Security disability advocacy for years. While everyone here is correct about the basic rules, I'd strongly suggest you consider consulting with a Social Security attorney or certified representative before making any major decisions about divorce vs. staying married. The financial implications can be complex - for example, if your husband has a much higher earnings record, staying married might eventually give you better survivor benefits if he passes away first (you'd get 100% of his benefit instead of the 50% spousal rate). An attorney can run the numbers on both scenarios and help you make the most financially beneficial choice for your specific situation. Many offer free consultations for Social Security matters.

As you're planning for the future, remember that when your husband eventually files, you'll need to contact Social Security to ensure they process your spousal benefit properly. While it should happen automatically, sometimes there are delays if you don't initiate the process. Also, when you receive the spousal add-on, it will be effective from the month your husband begins receiving benefits, not retroactive to when you started receiving your own benefits. Make sure to mark your calendar to contact SSA as soon as he files.

I'm in a very similar situation! I'm 64 and took my benefits at 62, and my husband is 66 but still working. He keeps saying he wants to wait until 70 to maximize his benefits, but I've been wondering if there's any way I can get spousal benefits sooner. Reading through all these responses, it's clear that I'm in the same boat as you - we both have to wait until our husbands actually file. It's frustrating but at least we're getting something now. Have you calculated roughly what your spousal benefit might be once he does file? I'm trying to figure out if it will be worth the wait for us financially.

Thank you all for the incredibly helpful responses. I clearly need to reconsider my plan. The points about survivor benefits for my wife and the tax implications of our combined income are especially eye-opening. It sounds like with our money market interest, we'd definitely be in the 85% taxable range for SS benefits. I'm going to sit down and run some more detailed calculations on the long-term impact of waiting vs. taking benefits early. And thanks to whoever mentioned Claimyr - I've been trying to reach SSA for weeks with no luck, so I'll check that out too.

Great discussion here! As someone who went through this exact decision process last year, I wanted to add a few practical considerations that might help: 1. **Tax planning opportunity**: Since your wife is the higher earner and delaying until 70, you might actually benefit from taking SS at 63 if you can manage the tax burden strategically. Consider doing Roth conversions during the gap years before her benefits kick in - you'll have lower combined income during that window. 2. **Sequence of returns risk**: Your brother-in-law's investment strategy assumes you can consistently beat that 8% guaranteed return from delaying benefits. But what if we hit a bear market right after you start taking benefits? You'd be selling investments at a loss to supplement the reduced SS payments. 3. **Medicare considerations**: Don't forget that you'll be eligible for Medicare at 65 regardless of when you take SS. Factor those premiums into your calculations. 4. **State taxes**: Depending on your state, SS benefits might be tax-free at the state level even if federally taxable. This could affect your overall tax strategy. The survivor benefit impact others mentioned is HUGE - if you pass first, your wife would be stuck with your reduced benefit amount for life. With her being the higher earner, this could significantly impact her financial security. Have you considered splitting the difference and waiting until your FRA at least? That eliminates the permanent reduction while still getting benefits earlier than 70.

That sounds like a smart decision! Just wanted to add one more thing to consider - if you do decide to delay starting benefits, make sure you factor in the delayed retirement credits you'll earn. For each month you delay claiming benefits past your full retirement age (up until age 70), your benefit increases by about 0.67% per month, which adds up to 8% per year. So depending on how close you are to your FRA, delaying might actually work out better financially in the long run, even without the earnings limit complications. Good luck with your semi-retirement planning!

Just wanted to chime in as someone who went through this exact scenario last year. I was 63 and planned to work part-time while collecting benefits. The monthly limit in the first year is absolutely enforced - learned that the hard way! One thing that might help with your planning: SSA has a really useful online tool called the "Retirement Earnings Test Calculator" that lets you plug in your specific earning pattern and see exactly how it would affect your benefits. It's buried pretty deep on their website, but if you search for "earnings test calculator" it should come up. Also, don't forget that if you're married, your spouse's benefits could also be affected by your earnings if they're claiming spousal benefits. Something to factor into your decision-making process. The delayed retirement credits that Ava mentioned are definitely worth considering too - that 8% annual increase is guaranteed and better than most investment returns these days!