Regular readers of my column know that over the years, I’ve dealt with many misunderstandings that people have about their Social Security benefits. In fact, I just wrote a column a couple of weeks ago that dealt with many of these misconceptions. But I can tell from the hundreds of emails I’ve received as a result of that column that there is one issue people get wrong more than any other.
So many women think that they can take reduced benefits on their own Social Security record at age 62 and then, at some later age, switch to full (50 percent) benefits as a wife on their husband’s account. Or they think they can take reduced spousal benefits at age 62 and then later switch to full benefits on their own record.