Good morning Susan,
I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.
No one is eligible to file and suspend their benefits unless they are at least 66 years old. And while you qualify for a spouse benefit, in order to take that benefit your husband must already be taking his own benefit. (Yes, if he were eligible to file and suspend that would work---but he is not eligible based on his age).
While you are under 66, if you take an early social security benefit you are limited in the amount of income you may earn without your benefit being effected. Let me explain:
If you are under full retirement age for the entire year, social security will deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2016, that limit is $15,720.
In the year you reach full retirement age, social security will deduct $1 in benefits for every $3 you earn above a different limit. In 2016, the limit on your earnings is $41,880 but they only count earnings before the month you reach your full retirement age.
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I wish you and yours the best in 2016,