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How Can a Nonworking Spouse Plan for Retirement?

I'm 65 and my husband is 60. We're trying to plan for retirement. My husband isn't working and doesn't have a retirement account. I'd like to keep working for a few more years. Here are my questions: Can I open an IRA for him? Can he receive Social Security benefits on my work record? And do I have to retire for him to be eligible?

—A Reader

Dear Reader,

These are three great questions, so thanks for asking. While each couple's situation is different, there are ways to build retirement security for a nonworking spouse that every couple should be aware of—and take advantage of if they can. Let's go in order.

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