Social Security for spouse


Q: As a FERS employee, if I take the early age 62 retirement and my wife waits to draw hers until I draw mine (she will be 67 then) will she still receive half of mine if her full benefit is less than half (she has the minimum credits) or do we have to wait until I reach my full retirement age? If she draws hers at 62, would she not get half of mine because I’ll only be 57 and still working?

A: You’ll find the answers you’re looking for and more at


About Author

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

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