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?