也问个配偶退休金问题

如果一人62岁退休，退休金相对低，配偶65岁退休，那之后先退休的人可以改拿配偶退休金的一般吗？两人岁数一样的话

可以，应该是自动选择的。
If a spouse is eligible for a retirement benefit based on his or her own earnings, and if that benefit is higher than the spousal benefit, then we pay the retirement benefit. Otherwise we pay the spousal benefit.

感觉亏了，我和太太收入差不多。

只能拿一半的75%