Social Security Questions? Ask a Social Security Expert
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At your age, if the spousal benefits increased either of your benefits, SSA would have automatically switched you over. The spousal benefit is not a benefit in addition to your own SS retirement, it is only the higher of the two benefits (between the spousal and your normal retirement). It is 50% of your spouse's benefit at full retirement age (which is age 66 for you and was age 65 for her). Also, this would not include any 8% credits you received from ages 66-70. It is simply 50% of the other spouse's benefit at full retirement age (or it could be reduced if a spouse has retired early by the early retirement penalty as well which does not seem to apply to you). So to answer your question, unless there has been an error made, SSA would already be giving you the higher of you or your spouse's normal retirement benefit and the 50% spousal benefit. Again, you do not get both benefits, only the higher of the two benefits, so if the spousal benefit is higher then SSA will give that benefit instead of your normal retirement benefit.
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