Do you qualify and apply for your own retirement benefits and for benefits as a spouse?
Yes, I do.
Are your benefits as a spouse higher than your own retirement benefits?
Yes, that would be the case.
Then you will get a combination of benefits equaling the higher spouse benefit.
What if I'm under the full retirement age and I continue to work while receiving benefits?
In that case, your benefits may be affected by the retirement earnings test.
Does this mean my benefits will be less?
Yes. Between age 62 and your full retirement age, the amount will be permanently reduced by a percentage based on the number of months up to your full retirement age.
Ah, I see. Will I be able to take only one benefit at full retirement age then?