Social Security Questions? Ask a Social Security Expert
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You can only collect one type of benefits at the time; your own or spousal but not both at the same time. Also, because you applied for your own benefits early before your full retirement age your own but also your spousal benefits had been permanently reduced. It means you will not be eligible for full 50%, but only for about 32%.
Bellow is a link to a spousal benefits calculator to determine the exact percentage based on your age and when you applied for your benefits:
But you may be eligible for survivor benefits, if you husband passed away. But again, because you applied for our benefits early, you will not be eligible for 100%, more like 75-80%. And the same rule would apply, one benefit at the time. You cannot receive your own and your spousal and/or survivor benefits all at the same time.
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