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Hi. My name is ***** ***** I will be happy to help you.
If you were married for more than 10 years you could be eligible for benefits based on his records. Here are the requirements:
- both of you are 62 or older
- you have not remarried before age of 60 or you are single (widow or divorced)
- benefits based on his records are higher than benefits based on your own records.
Your full retirement age is 66 so if you apply now, before your full retirement age your benefits will be reduced to 42% of benefits he was or will be entitled to receive at his full retirement age.
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If you wait until 66, your full retirement age, you will get 50% of what he was eligible at his full retirement age. If you apply at 64 the percentage will be same until he dies and you may be eligible for widows/survivor benefits or you switch to different benefits. Your widow/survivor benefits will be about 85% of the amount he will be receiving at the time of his death. If you wait until 66 t apply your widows benefits will 100% of what he will be receiving at the time of his death.
Basically, if you apply for any social security benefits before your full retirement age you will permanently reduce all your benefits available to you at that time and in the future. It is type of penalty for applying early.