Social Security Questions? Ask a Social Security Expert
Hi. My name is ***** ***** I will be happy to help you.
If you apply for any type of social security benefits before your full retirement age you will permanently reduce your own but also spousal benefits. Which means you will not get 50% of his benefits when he retires.
I would suggest if you do not necessary need the benefits, wait until full retirement age. You will be eligible for spousal (50% of his benefits at full retirement age) and if he dies before your, widows benefits (100% of his benefits). If you apply at 63, you reduce all of the benefits available to you now or in the future.
I see you read my respond. Do you have any questions? Is there anything else I can help you with today?
No you don't. But you can apply for Medicare at 65.