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FoolishProf writes:

<<royrun99 says

3. Wife,who does not qualify on her own, can get 50% of mine early also

Question about this?? My research would indicate that this figure is also reduced (37.5%) for "early" retirement (meaning prior to age 65, 65.5, 66, or whatever it is for you). Anyone confirm or refute this?>>

The spouse drawing on the primary woker's benefit will have his/her benefit reduced 25/36% of 1% for each month that spouse is younger than age 65. At age 62, that brings the benefit down to 37 1/2% of the primary worker's age 65 benefit.

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