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Under social security rules, you can apply for spousal benefits if they would be higher than your own benefits,
also if you started your own benefits early, if you switch to spousal benefits, the early penalty would apply as well, and spousal benefits are only 50% of the primary spouses benefits.
yes, you can apply through the social security website, however it is best to go to the local social security office, to apply, as you do not want to switch to a lower amount
if you took benefits before age 66, you face an early penalty, if you started at age 62, your penalty would be 28-30%
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no that would be the penalty for you to start taking benefits at age 62,
spousal benefits is 50% of what your spouse gets
minus any penalty for taking early,
if you are 68, a switch to spousal benefits may not be your best option, but yes, go directly to the office, and calculate the numbers, you will only be given the higher amount, you do not get both,.
customer service will have to answer that, I am not sure what you signed up for. If you have any further legal questions please do not hesitate to ask.
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