At 62 I was advised by Social Security to begin taking my benefits because eventually I would take half of my husband's Social Security. My husband is 66 and applying for benefits. However Social Security is now telling us I will never be able to do this, as my full benefits at the age of 66 ( 1294.60) ! would be $40 more than half of his which would be 1249.20. Is this true? Is there something we can do? Now I am in the position of never being able to collect full benefits, which means a loss of more than $300.