My husband is 70 now , got full retire benefit. I am 63 (1959) now. When I am reaching full age , I will receive 1/2 spouse benefit of my husband 66 or in his current benefit of that time.

Hi. Assuming that you don't qualify for Social Security retirement benefits on your own record, then you would be eligible for 50% of your husband's primary insurance amount (PIA) if you apply for spousal benefits at your full retirement age (FRA). A person's PIA is equal to their Social Security retirement benefit rate if they start drawing their benefits at full retirement age (FRA).

PIAs are updated to include all cost of living (COLA) increases that occur after the worker reaches age 62, and your spousal rate will be calculated based on 50% of the amount of your husband's PIA at the time you apply.

Best, Jerry