I am 63 (born Dec. 1953). I have 40 quarters of soc. sec. earnings and would received approx. $1800/mo at full retirement age on my own account. My husband (born July 1950) started taking his soc. sec. at age 62. His monthly benefit before Part B is $1850. We also have an adult child in our household disabled at birth (down syndrome) Born in 1985. She receives a child's benefit of $1257/mo. What is my best strategy for when to file and what to file for?
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