I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.
At age 66 you will be able to apply for a spouse benefit and your benefit may then increase. Let me explain.
Let’s say your Primary Insurance Amount (PIA) is $1,000. You filed for your own benefit at 62 and received a reduced retirement benefit of $750.
Your husband has a PIA of $2500. At 66 you are eligible to receive one-half of his PIA. $2500 (his PIA); divided by two, that equals$1,250 (This is your full spouse’s rate). Social Security will subtract from the $1250 (the full spouse’s rate) – $1000 (your PIA)= $250.
Social Security will add that $250 to your reduced retirement benefit amount of $750 and your new benefit amount at full retirement age will be $1,000, which is a bit less than the full spouse’s rate, but hundreds more than you are presently receiving.
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I wish you and yours the best in 2015,