The rates change the earlier that you retire. There is a sliding scale, and it changes monthly.
It's not so bad if you are almost retirement age, but the sooner you retire the less you get.
A person only gets 75% of their benefits if they retire at 62 of course they are retiring early and get an extra 4 years or 48 months of benefits.
You will get 93.3% of your benefits if you retire at 65, but you start early and get an extra year of benefits. You have to think about how long you expect to live. It's probably best to do some math here to get an idea before you make a decision.
Spouse Social Security Benefits
At your full retirement age, you get 50% of the monthly benefit that your spouse would receive if his or her benefits started at full retirement age.
You as a spouse get 35% of the monthly benefit at 62 years of age.
You can get 45.8% at 65 years of age.