I plan to take at 62 because of health issues. However, I am the high earner. My DH will have a state pension (IL sigh). Does it or how does it impact him if I take early for survivors benefits?
The way you ask the question implies that you're unfamiliar with GPO. I strongly suggest you go to the SS site and read about it. I've attached a link to their pdf. I believe the rule is that GPO offsets survivor's benefits to your husband by 67% of his Illinois pension regardless of when you begin your SS.We’ll reduce your Social Security benefits
by two-thirds of your government pension. In
other words, if you get a monthly civil service
pension of $600, two-thirds of that, or $400,
must be deducted from your Social Security
benefits. For example, if you’re eligible for a
$500 spouses, widows or widowers benefit from
Social Security, you’ll get $100 a month from
Social Security ($500 – $400 = $100).