If he begins receiving benefits between age 62 and his full retirement age ,the amount will be permanently reduced by a percentage based on the number of months up to his full retirement age .If your husband is under full retirement age I can give you more info.
OK, but another thing, if my benefits are higher he gets a percentage or what?
He will get an additional amount on your record so that the combination of benefits equals that higher amount .
can my benefits be less because of that or something else so that we're better off doing things differently?