Social Security Questions? Ask a Social Security Expert
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If you apply for your benefits before your full retirement age, you will permanently reduce your benefits, which means you will received the reduced amount for the rest of your life.
Regarding your spouse, as soon as you apply she will be eligible for spousal benefits. But if she applies before her full retirement age she will too permanently reduce her own benefits but also spousal and widows benefits she may be eligible for now or in the future. Which means, if she applies for any type of benefits before 66, she will not get 50% of your benefits as spousal benefits. She will receive the highest benefits available to her, her own or spousal, but not both.
Here's benefits calculator for her or your own benefits: https://www.ssa.gov/OACT/quickcalc/early_late.html
and here's calculator for spousal benefits: https://www.ssa.gov/OACT/quickcalc/spouse.html
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