樓主若在現在62歲時要想拿到前配偶的benefit(這也是你開始回答樓主的),隻要她現在按自己的水平拿的benefit少於按前配偶拿的,就可以拿那個高的,既先發給她應得的,再從配偶拿一部分做補充。當然,如果樓主現在按自己的水平拿的benefit不少於按前配偶拿的,也就沒有再拿配偶的一說了,根據是前麵三個條件之一:
The benefit you are entitled to receive based on your own work is less than the benefit you would receive based on your ex-spouse's work.
你的一半之說解釋是不錯,但離開了樓主現在62歲時拿的前提。