Can I claim 50% of my husband’s Social Security now — and switch to my higher benefit at 70?

Core Impact Points

• Women married to men receiving Social Security benefits may be eligible to claim a spousal benefit of up to 50% of their husband's benefit amount.
• Claiming a spousal benefit can impact a woman's own benefit at age 70, potentially reducing her lifetime benefits.
• Couples should carefully consider their individual circumstances and long-term financial goals before making a decision.
• Women who claim a spousal benefit early may face reduced lifetime benefits due to the delayed retirement credit.
• The decision to claim a spousal benefit should be based on a thorough analysis of the couple's financial situation and long-term goals.