First talk to SS and find out what they say. Skip the middle man. I may be wrong but you cant collect till your current spouse is of full retirement age. You collect from his till you are of full retirement then collect your full amount and give up his. Again talk to SS directly.

I am presuming most of us were/are professionals. I know the areas of my expertise, as well as the areas where I have zero expertise. What is the hesitancy of professionals to ask a professional (doctor, lawyer, taxes, social security, medicare ) rather than post a question on a forum? Even considering this as a "second opinion" is a bit frightening. IMHO P.S. I mean no disrespect to this or any other poster.

I think it helps to educate yourself before asking SS a question. My first hand experience from face to face meetings is that you do not always get the correct answer and the do not always process the paper work correctly. Also there job is not to tell you how to get the most from the system.

I looked at the math.

If I live to 80 the difference between 62 or 66 is only a few
thousand difference.
I would rather not take the risk.

My Husband gets full social security.
I can begin at 62 (75% plus a little more due to his much larger
amount).
If I wait until 66 I get 100% of mine.
After his death, I get his full s.s. And mine drops off.

Your answer makes me feel better. Gathering information so you know what questions to ask is smart. I was concerned people would not seek the help of a professional because someone in TOTV said you don't need to.

I agree with gathering information before going to the SS office. At one office I was given a negative response to my question without an explanation. At another SS office the person explained the answer to my question fully. Lots of information on the internet.

Go to your local Social Security Office and they will help you. Every year the law could change so whatever people tell you could be true or it might not.