Hello I am 45 my husband is 63 he will retire in 2 more yrs. what will happen with our ss benefits. I have paid in 26yrs he has paid in 44 yrs.

Hi,

It sounds like you'll both qualify for retirement benefits on your own records, with a possibility of additional spousal benefits for you. You must be at least age 62 to get retirement or spousal benefits, though. Your husband is already old enough to apply for reduced benefits, so he may want to consider running the maximization software available on this website in order to determine his best strategy.

Best, Jerry