Spouse benefits question


Q: My wife and I are both 63, we both work and we both qualify for the maximum benefit from Social Security. Can we both now apply for spousal benefits from each other and delay taking our own Social Security?

A: No. You could only do that if you had reached full Social Security retirement age, which ranges between 65 and 67. Since you were both born in 1947, your full retirement age would be 66.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

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