user: I'm looking to see if you can tell me what my husband's retirement benefits will look like[NEWLINE]agent: Does your husband qualify for benefits on his own record?[NEWLINE]user: no, I don't think so[NEWLINE]agent: Is the benefit on your record higher than his?[NEWLINE]user: yes, it is[NEWLINE]agent: If the benefit on your record is higher then he will get an additional amount on your record so that the combination of benefits equals that higher amount.[NEWLINE]user: does when he starts getting benefits matter as to what he will get? like if he is not at full retirement age[NEWLINE]agent: If he begins receiving benefits between age 62 and his full retirement age,the amount will be permanently reduced by a percentage based on the number of months up to his full retirement age.If your husband is under full retirement age I can give you more info.[NEWLINE]user: OK, but another thing, if my benefits are higher he gets a percentage or what?[NEWLINE]agent: He will get an additional amount on your record so that the combination of benefits equals that higher amount.[NEWLINE][BOUNDARY][NEWLINE]user: can my benefits be less because of that or something else so that we're better off doing things differently?