After not having worked for 20 years, I began drawing my social security benefits at age 62 while my husband began his benefits at FRA. I unexpectedly went back to work at age 64. My husband is also still working. I will be 67 in August. He is 68. May I now file for spousal benefits at this point? I would double my benefit if I were to receive 1/2 of his. Or is there a better scenario for us? Also, are spousal benefits calculated on your benefit before medicare insurance is deducted, or after?