Thanks for the answer VacationForever.
I had to think on this a bit.
For this example I'm going to use $3000 for husband (B) FRA benefit and $1000 for mine (FRA).
I read your answer to say that if I (A) took SS at less than full retirement age (let's say it's at 85% of my FRA for this example) then when my husband (B) waited until his FRA and then took SS, then I would either keep my own social security benefit (85% of MY FRA) OR I can elect to take 85% of the spouse benefit which is 1/2 of his SS.
The PIA for your husband and if he takes at FRA, half of PIA is $1500. Since you took on your account early and you should switch to spousal amount at his FRA. The spousal amount will be $1500 minus your early drawing reduction of $150. Your amount will show up as $850 plus $500.
The math (from my example benefits above: $850 as reduced benefit for me because I elected to start receiving before FRA.
some time from now - $3000 for husband because he waited until FRA. When he 'retires' (i.e. takes social security) at FRA then I can switch to spousal benefit of $1275 (85% of 1/2 his FRA benefit). I would 'lose' my personal benefit to substitute into spouse. Monthly SS = $4275 for both of us.
Total amount will be $3000 plus $1350, equals $4350.
If he dies before me, I would get $1500 as a survivor.
If he dies, the amount that he should or would be drawing at time of death will become your survivor amount. Let's say he does exactly at FRA, your survivor benefit will be $3000. You no longer get your own amount. Total will be $3000.
IF he was to take 'less than 100% (FRA), then his $3000 would be reduced as well as the spousal 1/2. If he started with 90% of FRA, then his monthly would be $2700 (90% of 3000) and my spousal would be $1147.50 (assuming I had started at 85% of my FRA). Monthly SS = $3847.50 for both of us.
Spousal benefit (yours) is half of your spousal's PIA which does not change regardless of whether he draws early, at FRA or after. Your spousal benefit will be $1500 minus $150, giving $1350 but you must only file for spousal benefits at or after he reaches FRA.
If he dies before me, I would get $1350 as a survivor.
If he dies while drawing $2700, your amount as a survivor is $2700. If he is drawing $3500 at time of death, you get $3500.
Did I get this right?