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1. Sharonced@hotmai

   February 4, 2020 1:33PM

   I’m three years older than my husband. I’m 62. My full retirement age is 66 6 months. My spouse is 66 7 months. If I take early retirement at 62, can I switch to spousal retirement and collect 50% of my husband? Or am I stuck at my early retirement until I die or he dies? Do I have to wait till he has retired at 66 7 months to get spousal retirement since file and suspend has been eliminated for new retirees.

   • 

     Ann C.

     February 24, 2020 2:58PM

     Hi. Thanks for your question. If a person begins to receive benefits at age 62 or prior to their full retirement age, their benefits are reduced. The reduction factors are permanently applied to all of the benefits to which the person may qualify. You may still be eligible to collect reduced benefits on your husband’s record when he applies. Remember, if someone is eligible for both, his or her own benefit and for benefits as a spouse, we always pay their own first. If their spousal benefits are higher than their own retirement benefits, he or she will get a combination of benefits equaling the higher spouse benefit. Please visit our Retirement Planner: Benefits For You As A Spouse for more information. We hope this helps.

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     Ann C.

     January 6, 2020 4:56PM

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