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Hi. My name is ***** ***** I will be happy to help you.
Because you took your benefits at 62 you permanently reduced all your benefits available to you back than or in the future. Which means you will never get 100% of your husband's benefits. Your widows or surviving benefits will be calculated using his records but will be reduce by certain percentage for every month you applied for social security benefits before your full retirement age. It will be about 20% reduction.
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