Can my husband collect on my SSDI at 62 while waiting for his own SS benefits until 70?

this is not how it works anymore. the rules changed in 2015 with the bipartisan budget act. your husband cant take spousal only and then switch to his own higher benefit later. he has to take both at the same time and gets whichever is higher

The information you received is unfortunately outdated. The "file and suspend" and "restricted application" strategies were eliminated for most people by the Bipartisan Budget Act of 2015. Here's what actually applies to your situation: 1. Your husband CANNOT file only for spousal benefits while letting his own retirement benefit grow until 70. 2. If your husband files for benefits at any point, he'll be deemed to have filed for ALL benefits he's eligible for (both his own retirement and any spousal benefits based on your record). 3. He'll receive whichever benefit amount is higher, but not both. 4. The fact that your benefits are SSDI rather than retirement doesn't change this rule. If your husband's benefit at his full retirement age (probably 67) would be significantly higher than 50% of your primary insurance amount, then it likely makes sense for him to wait until 70 to maximize his own benefit rather than taking reduced spousal benefits early.

I was in a similar situation with my wife on SSDI. Tried for WEEKS to get through to SSA to understand our options. Finally used a service called Claimyr (claimyr.com) that got me connected to an actual SSA agent in under 20 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU The agent confirmed exactly what others here are saying - the old "restricted application" strategy doesn't work anymore unless you were born before Jan 2, 1954. My wife is on SSDI too, and I had to choose between taking my own benefit early or waiting. Couldn't do both like in the old days.

Yes, it worked great for me! Saved me hours of frustration. The SSA agent I spoke with was able to pull up both my record and my wife's SSDI record and explain all our options.

Evry1 here is WRONG!!!! My brother in law is collecting on his wifes disability right NOW and she isnt even 62 yet!!!! Call your local office and DEMAND to talk to a supervisor because the regular workers DONT KNOW THE RULES!!!!!

This whole system is designed to confuse people! I spent 2 years researching SSDI and spousal benefits and STILL got wrong information from an actual SS employee! The left hand doesn't know what the right is doing. The 2015 changes made everything worse and more complicated for regular people just trying to get what they're entitled to. If I were you, I'd have your husband wait until 70 to get his maximum benefit - that's the only straightforward strategy left.

Quick question - is your husband still working full-time? Because even if he could claim spousal benefits (which as others pointed out, he can't separately from his own anymore), he'd be subject to the earnings test if he's under his full retirement age. That means SS would withhold $1 in benefits for every $2 he earns above $22,320 (2025 limit). So depending on his income, he might not get much anyway!

im in a simlar situation and was told by my tax guy that my husbnd needs to file for his SS first then they will give him the higher amunt whether its his or spousal. for us it's about $180 more a month with the spousal. good luck

One important thing no one's mentioned yet - when your husband does eventually file (whether at 62 or 70), if your SSDI converts to retirement benefits by then, the SSA will automatically check if he's eligible for the higher of either his own benefit or a spousal benefit. If 50% of your primary insurance amount (PIA) is higher than his own benefit would be, he'll automatically get the higher spousal amount. But with your husband's FRA benefit estimated at $2,700, it's unlikely the spousal benefit would be higher unless your SSDI benefit is over $5,400/month, which would be unusual.