and what if my spouse already gets benefits?
ask them what their benefit would be if it started at their full or normal retirement age, Divide this amount in half and round down to the nearest dollar .This is your estimated spouse 's benefit if you retire at full retirement age
what happens to the benefit amounts if I retire before full retirement age?
Your benefit amount as a spouse will be reduced .The reduction will vary based on your date of birth. The maximum reduction for benefits starting at age 62 is 30 percent for someone born in 1946 .It will increase to 35 percent for those born in 1960 or later.)  For more information about your estimated benefit amount if you retire before reaching full retirement age , please call our toll free number at 1 - 800 - 772 - 1213 If you are deaf or hard of hearing , call our TTY number at 1 - 800 - 325 - 0778 or contact your local Social Security office .