I have two questions. I have a client who will turn 62 in November and is divorced (was married for 19 years). Her ex is 69 & will be starting his benefits shortly. If she uses her own benefit, she will receive $1909/month. His benefit will be $3900/month.

1. She was told she can claim half of his and the benefit would be $1950. I thought that would be reduced since she is starting early. Who is right?
2. If she starts early and her benefit was more than 50% of his and down the road he died, would she get his full benefit at that time or would it be reduced since she started early?