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And, once you are taking your own retirement benefit, your spousal benefit will be calculated not as your full spousal benefit, which would be equal to half of your husband’s full retirement benefit, but as your excess spousal benefit (or your full spousal benefit less your full retirement benefit).

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The reduction equals two-thirds of her state pension.

There are a couple of exceptions, but they surely don’t apply to your case.

Your total check if you do take your own retirement benefit early will be the sum of your reduced retirement benefit (reduced because you are taking it early) and your reduced excess spousal benefit, which is equal to half your spouse’s full retirement benefit less 100 percent of your full retirement benefit.

If the excess spousal benefit is negative, it’s set to zero.

Larry Kotlikoff’s Social Security original 34 “secrets”, his additional secrets, his Social Security “mistakes” and his Social Security gotchas have prompted so many of you to write in that we now feature “Ask Larry” every Monday.