Social Security Questions? Ask a Social Security Expert
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If you spousal benefits (about 45% of your husband's benefits) are higher than your own, than yes, you can switch to spousal benefits. You can apply online or by calling social security directly.
Your full retirement age is 66. You cannot apply for restricted application (take lower spousal benefits and let your own grow) until you are 66.
Because you were 62 at the end of 2015, you are still eligible to file for restricted application. But it is only available once you reach your full retirement age.
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