I started collecting from my husbands social security at 62 I am 78 and he is 89 can I collect 1/2 now
Hi. No. The percentage reduction that's applied to your benefit rate if you collect benefits prior to your full retirement age (FRA) is permanent. The reduction for age doesn't go away when you reach FRA or any subsequent age.
However, if your husband dies before you, your survivor benefit rate will not be reduced for age regardless of the fact that you started collecting spousal benefits at age 62. In the event of his death, you could be paid the higher of your own benefit rate or your husband's full benefit rate.
Best, Jerry
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Posted:
Jul 30 2022 - 10:40pm