Thanks for the additional information.
Because you have been taking your own benefit for 2 years it is too late to withdraw your claim, pay all the money back and start fresh. However, it is not too late to make a spouse
claim---though your benefit will be slightly less than it would have been 2 years ago because you took your benefit early. Let me explain.
Because you started taking a benefit a couple of years early, you would not (even back then) been eligible for the full 50% as a spouse benefit.
Let’s say that your Primary Insurance Amount (PIA) is $1,000. You filed for your own benefit at 64 and received a reduced retirement benefit of $875.
Your husband has a PIA of $2500. You are eligible to receive one-half of his PIA at your full retirement age. $2500 (his PIA); divided by two, that equals $1,250 (This is the full spouse’s rate). Social Security will subtract the $1250 (the full spouse’s rate) – $1000 (your PIA)= $250.
Social Security will add that $250 to your reduced retirement benefit amount of $875 and her new benefit amount at age 66 will be $1,125, which is somewhat less than the full spouse’s rate, but still an increase over what you are receiving now.
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