Social Security Questions? Ask a Social Security Expert
Hi. My name is ***** ***** I will be happy to help you.
If she applied for her benefits before her full retirement age, she is receiving reduced benefits. The benefits were reduced permanently, meaning she will not get higher benefits at full retirement age and her benefits will not be reduced at 66 either.
If she haven't applied for her benefits yet, you can use the estimates to calculate her reduced benefits using the online calculator here: https://www.ssa.gov/OACT/quickcalc/early_late.html
I see you read my respond. Do you have any questions? Is there anything else I can help you with today?