I realize you have a question about social security. My goal is to help you better understand your options.
How are you today?
Yes, what you heard is true - you can get a benefit of up to 1/2 of your husband's benefit. Now, since you are over full retirement age, this benefit is equal to 1/2 of what he is drawing.
So how do I do that? Go to a local SS office and apply?
However, the farthest back you can go is 6 months so you can get a benefit of 6 months to start
Yes, you would simply go to the social security office and apply. Tell them you want benefits retroactive for 6 months - you will get a 6 month lump sum payment, and then receive a check equal to 1/2 of his check.
And can I apply on line or do I have to go to a SS office?
You can apply online if you want - although if you want retroactive benefits I would suggest calling 1-800-772-1213 or visiting your local office
I will try calling tomorrow. The closest office is 70 miles away, 140 round trip!
Oh wow...I'd definitely call too!