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I have been looking for an answer to this question and haven't found it. You all seem very knowledgeable-I'll bet someone here knows. My husband and I have both worked all our "quarters" to receive SS (assuming that it's still functioning). DH plans to retire in about 3 years (age 62), I plan to try to work for another 10-12 yrs (age 65-67). My question is, will we both receive our full amount of SS (the amount that comes on the annual statement) or is there a "penalty" for being married and receiving two SS benefits? I mean, would my SS be reduced because DH is already collecting his full benefit?