Social Security Questions? Ask a Social Security Expert
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Is your husband currently collecting any social security benefits?
As long as you husband is collecting his benefits you can apply for reduced benefits at 62. But keep in mind that if you apply for any social security benefits before your full retirement age you will permanently reduce all benefits available to you now or in the future, including your own and spousal benefits. Also if you apply before your full retirement age you will not get to choose, you will automatically receive the highest benefits available to you: your own or spousal.