Can a wife at age 62 draw half of spouse's SS and continue to work and earn unlimited?

Answer 1

A spouse receives one-half of the retired worker's full benefit unless the spouse begins collecting benefits before full retirement age. In that case, the amount of the spouse's benefit is reduced by a percentage based on the number of months before he/she reaches full retirement age.

For example, based on the full retirement age of 66, if a spouse begins collecting benefits:

• At 65, the benefit amount would be about 46 percent of the retired worker's full benefit;
• At age 64, it would be about 42 percent;
• At age 63, 37.5 percent; and
• At age 62, 35 percent.

However, if a spouse is taking care of a child who is either under age 16 or disabled and receiving Social Security benefits, a spouse gets full (one-half) benefits, regardless of age.

If you are eligible for both your own retirement benefit and for benefits as a spouse, we always pay your own benefit first. If your benefit as a spouse is higher than your retirement benefit, you'll receive a combination of benefits equaling the higher spouse's benefit.

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