Ah, excuse my sexism. I had a 2/3rds probability that you earned less than your husband. Go with the odds.

I've had two male friends whose wives pre-deceased them who were surprised and delighted to find out they could draw on survivor benefits at age 60, or draw their spouse's benefit at full retirement age and wait on their own until age 70, switching then to the higher benefit. For one it was a pleasant reminder of a dearly departed spouse, and for the other it was repayment of the $500,000 his wife had cost the family in a contentious divorce.

I guess the differential in payments was high enough that taking your husband's payment at 66/2 and letting your own build until 70 was a money-losing proposition. I ran the payback numbers for a friend who would have to have waited until 2036 before increased payments from retiring later made up for lost benefits. Of course, Social Security is projected to have to cut benefits 25% in 2034 if nothing changes, so taking up front now seems the wiser choice. I told him, as he is still working, to take the money and set it aside and use the interest it throws off to supplement future benefits when he needs it.

Hoping you're blessed enough not to need the payment for a long time.