Social Security for Today's Seniors

Social Security Answers

Question 7. My husband and I were married for about 35 years and recently divorced after a 9 year seperation. He is 63 and will be retiring and collecting Social Security when he is 65. I would like to retire when I am 62. Now I do know that I can draw either his Social Security or mine depending on whose is higher. When I am 62 I will most likely draw on his because I am certain his will be more then mine since I was a stay at home wife for many years. My question is if I retire at 62, do I receive benefits based on me drawing at 62, or benefits based on my ex drawing at 65 which could be a big differance?

Answer. Congress modified Social Security benefits in 1983. Now, if you were born after 1937, you can't receive full Social Security benefits at age 65. Instead, the age at which you can retire and receive full benefits (your Full Retirement Age) gradually increases depending on your date of birth, until it levels out at age 67 for people born in 1960 or later.

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