I am 65 (1956), my husband has been collecting SS since he turned 70 (1948). Will I receive full 50% of spousal benefit now or do I have to be 66 +months to receive the full 50% benefit?

Hi. No. You would need to wait until you reach your full retirement age (FRA) in order to receive a full 50% of your husband's primary insurance amount (PIA). If you start drawing before your FRA, your benefit rate will be reduced for age. And, if you have at least 40 Social Security earnings credits you won't be able to apply for spousal benefits without applying for your own benefits at the same time.

If you're insured for retirement benefits and if your PIA is less than 50% of your husband's PIA, you'd be paid your own benefit plus a partial spousal benefit. The two benefits would then add up to a full 50% of your husband's PIA, assuming that you don't start collecting benefits prior to FRA.

It sounds like you may want to consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze all of your options so that you can determine your best strategy for maximizing your benefits.

Best, Jerry