Astroe: Go to: http://www.ssa.gov/estimator/

Also, I know this is really stressing you out. I would stop worrying about it until you return from NY, and then start again.

Personally, I don't think you need to worry about your benefits at your age. Even Ryan has stated that there will be no changes in SS or Medicare for those older than 55.

Since you are no longer working, if you wish, you could take your SS benefits now and wait for DH to turn 66 to get his. Remember, if something should happen to him (God forbid), you might have a larger spousal benefit from his SS than from yours.

If there's any way to wait until you are 65 and DH is at least 66, that would be optimal.

Call me.

Donna