‘I’m leaving money on the table’: I’m 64 and my husband is 70. Should I take spousal benefits or wait for my own?

A 64-year-old asked whether to claim spousal Social Security benefits now or delay claiming her own retirement benefits. The person stated she paid a significant amount into Social Security during her working years. Her 70-year-old husband is already receiving benefits. The decision involves comparing the immediate payment from spousal benefits against potentially higher payments from delaying her own retirement benefits claim.

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