If you were born prior to January 2, 1954, are full retirement age, and we determine that you are eligible to receive both a retirement benefit and a spouse's benefit, you may choose to delay receiving your own retirement benefit and receive only the spouse's benefit for now. Why?
If you choose to delay your retirement benefit, you will receive a special credit for each month in which you are eligible for, but do not receive your retirement benefit before you reach age 70.
This means the retirement benefits you receive at a later date will be higher than they would be if you elect to receive them now. And during the time in between, you will receive benefits based on your spouse's record.
Reminder: If you were born on the 1st of the month, we figure your benefit (and your full retirement age) as if your birthday was in the previous month.
If you answer "yes" to this question, we will contact you to discuss this option further and help you decide if it's right for you.
Note: The Bipartisan Budget Act of 2015 made some changes to Social Security’s laws about filing for retirement and spousal benefits for individuals born January 2, 1954 and later. See Filing Rules for Retirement and Spouses Benefits for more information.