Social Security Questions? Ask a Social Security Expert
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Because you were not 62 at the and of 2015, you will not be able to choose which benefits you receive. When you apply you will automatically receive the highest benefits available to you, your own or the spousal. When you apply early at 62 (before your full retirement age) you will permanently reduce all current and future benefits available. It means you will only receive about 35% of spousal or about 75% of your own, whichever are larger.
You cannot apply for spousal benefits and let your own grow because of your age. This option is currently available only to people who were 62 at the end of 2015 and only once they reach their full retirement age, 66 or 67.
Here are the IRS benefits calculators:
your own benefits:
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