The timing of when you take benefits matters.
But this doesn’t mean you need to delay your benefits, he said.once your husband files,” he said.
“At the time your husband files, it would be best to arrange a phone appointment with Social Security, as they may be able to apply for your husband’s benefits and your spousal benefits on the same call.”“Spousal benefits are actually a combination of your own benefits and your spousal benefits,” Scheibner said. “So if you take your Social Security early, your benefits would be reduced.”
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