QUESTION:

Who"s account should I draw social security from

Can I draw social security from my husband's account if he is not retired yet and I am at the age of 62.
asked by Emma Ferguson, 1/24/2009
Categories: Work and Retirement, Medicare, Retirement Calculators, Prescription Drug Coverage, Retirement Quotes
ANSWERS:
Answered by: Editorial, 01/30/09
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I am not entirely sure, but no... I do not believe that you can draw your husband's Social Security if he himself is not yet 62.

You should contact Social Security directly to confirm: Locate your local office here:
https://secure.ssa.gov/apps6z/FOLO/fo001.jsp

You can also call the toll-free Social Security number 1-800-772-1213

However, you should think carefully before you start Social Security. Your monthly payments will be significantly less if you start at age 62 instead of waiting until your maximum retirement age.

-- To determine your maximum retirement age (the age at which you could maximize your monthly income), please visit:
http://www.ssa.gov/retire2/agereduction.htm

-- If you would like more information about the many benefits of working when you are of retirement age, continue here: http://www.newretirement.com/Services/Working_In_Retirement_Reasons.aspx

-- Learn more about the benefits of delaying Social Security here:
http://www.newretirement.com/Services/Social-Security-Benefits.aspx

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Answered by: Editorial, 01/30/09
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I did a little more research... and it appears that you may be able to begin your benefits...

It appears that you can receive spousal benefits based on your husband's work record, assuming he has worked long enough to have 40 credits (about 10 years' worth) and is old enough to receive benefits.

However, remember that monthly benefits will be signficiantly less if you begin Social Security at age 62 instead of waiting till your maximum retirement age.

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