You can choose only one Social Security benefit

oregonlive.com

When applying for Social Security spousal benefits, individuals can choose either their own benefit or a spousal benefit, but not both. The spousal benefit can be up to 50% of the spouse's benefit at full retirement age. Individuals can apply for spousal benefits as early as age 62, but this results in a reduced benefit. If they apply after reaching full retirement age, they will not face the earnings test, which limits benefits based on income. Delaying application can increase personal benefits, which max out at age 70. Resources like AARP's calculator can assist in determining the best time to apply.


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