Ask Social Security Questions and Get Answers ASAP
That is something which depends on your income over the years.Social Security uses your highest 35 years of earnings to determine your benefit. Since they are the only ones with all that information and since they have a benefit estimator, I recommend that you go to their web site and use that retirement benefit estimator. The web site is www.ssa.gov and the use of the estimator is free. Remember that you are entitled to 100% of your own benefit or 1/2 your spouse's benefit whichever is larger.
Having made that determination you will then be able to apply, if needed, for your own benefit right there at the web site. They could work out the scenario for you when you called but probably found it cumbersome or just did not know this simple information.
Have you had the opportunity to use the web site I referenced for you?