Question: I will be 67 in June. I am currently unemployed. I have not filed for and I am not collecting Social Security. I'm planning to wait until I turn 70. My 77-year-old husband is retired and is collecting Social Security. I have read where I can apply for spousal benefits whether I am employed or not since I attained full retirement age (FRA) at 66. Please advise whether I am correct and please share any details on the applicable rules and the best way to get this done.

Answer: Yes, you can absolutely receive a spousal benefit while your own benefit builds delayed retirement credits to age 70, says Elaine Floyd, says Elaine Floyd, director of retirement and life planning at Horsesmouth.

You are eligible to file a restricted application for your spousal benefit because you are over FRA, and you're grandfathered in under the Bipartisan Budget Act of 2015 because you were born before 1954, says Floyd.

To do it, you can file online. "Where it asks if you are eligible for both a retirement benefit and a spousal benefit, and do you want to receive just the spousal benefit, you should say 'yes.'" Says Floyd. "Then in the comments sections you should explain that you are filing a restricted application for your spousal benefit and that you do not intend to start your own benefit until age 70."

Floyd also says you should also ask for six months of retroactive benefits, since you turned FRA more than six months ago. Once you file the application online, the Social Security Administration will contact you to follow up and let you know what you need to provide to complete the application.

Got questions about the new tax law, Social Security, Medicare, retirement, investments, or money in general? Want to be considered for a Money Makeover? Email Robert.Powell@TheStreet.com.

Question: I will be 67 in June. I am currently unemployed. I have not filed for and I am not collecting Social Security. I'm planning to wait until I turn 70. My 77-year-old husband is retired and is collecting Social Security. I have read where I can apply for spousal benefits whether I am employed or not since I attained full retirement age (FRA) at 66. Please advise whether I am correct and please share any details on the applicable rules and the best way to get this done.

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