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No. of Recommendations: 3

When, but only when, you start drawing Social Security, your wife, assuming you have been married at least 10 years, can begin drawing on the basis of your work history rather than your own. You don't have to die.

I know. DH drew on the basis of his own work history until I began at age 65 drawing my own. Then he switched over to drawing on the basis of my history, which gave him more.

I was still working at that time, but it seemed to us that the extra he'd get from drawing on my history, plus the payments we'd get before I turned 70, compensated for foregoing the higher amount I'd get if I waited until age 70.

Agreed, the nice folks at the social security office can walk you through your options very nicely.

Best wishes, Chris
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