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Good afternoon Jean, I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today. As an ex-spouse, you do have the ability to apply for either your own social security benefit based on your lifetime earnings, or an ex-spouse benefit based on your ex husband's lifetime earnings. You say that you too early retirement, and if by that you mean that you took social security at age 62, then you would qualify for 35% of the full retirement benefit that your ex was eligible for at age 66. If that 35% is greater than the benefit you are collecting on your own record, then social security will be happy to switch you over. When your ex-husband dies, if you survive him, you will be eligible for an ex-spouse survivor benefit so long as you are not then married and were remarried before age 60. The ex-spouse survivor benefit is equal to 100% of the benefit amount that your ex is collecting at the time of his death. Please keep in mind that, even though you have already paid your deposit money over to JustAnswer, until you rate me highly for my service, I will not be paid for having assisted you with your questions. If you have additional questions, you may of course reply back to me and I will be happy to continue to assist you further until your questions have been answered to your satisfaction. I wish you the best in your future. Doug