Asked by ajthib  |  Submitted February 10, 2016

I turned 62 in July of 2015. Must I file for a restricted application now or do I wait until I am 66 to file?

I understand that I can only collect spousal benefits @ 66, but when must I file for restricted benefits?

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  Answers  |  1

February 17, 2016

Hi Ajthib, you ask an interesting question. First, I'm thinking you are asking about spousal retirement benefits. If so, you must be at least 62 to file. However, filing at 62 will result in a lower benefit amount. Go to SSA.GOV or call 800.772.1213 for more specifics if my response doesn't address all of your concerns.

Thanks for asking a great question,

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