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[quote=Anonymous]For people thinking about applying for their benefits at age 62 and then switching to their spousal
Benefit at a later age, have you looked into how the “deemed filing “ provision impacts your spousal benefit.  As I understand it, even if you file for spousal benefits at age 67, you are “deemed” to have filed at age 62 which would lower your spousal benefits quite significantly.  
From ssa.gov:

“Deemed filing means that when you file for either your retirement or your spouse’s benefit, you are required or “deemed” to file for the other benefit as well. The Bipartisan Budget Act extends deemed filing rules to apply at full retirement age and beyond.

What is the reason for this change? Historically, if spousal benefits were higher than their own retirement benefit, they received a combination of benefits equaling the higher benefit. This change in the law preserves the fairness of the incentives to delay, but it means that you cannot receive one type of benefit while at the same time earning a bonus for delaying the other benefit.“[/quote]

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