I plan to draw 50% Social Security spousal benefit even though my own benefits will be much higher than my ex-husbands. Why you ask?Because at some point (probably age 70), I will switch over to my benefits. Over time, this method should allow me to collect more in benefits than just collecting on my record...I believe you need to start your spousal SS benefit no earlier than full retirement age (66 for most of us here-) to do this. I'm not waiting. I'm nervous enough, with the talk about benefit give-backs, that we haven;t started collecting already... I almost picked up the phone to call SS and put it in motion yesterday!
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