You had me scratching my head there for a minute but I looked back at the discussion and there are a couple of indications that it's the husband posting:
"Now I am able to get Medicare, so just have a supplemental at a couple hundred a month. She pays 1100/mo for insurance."
OTOH, it does appear that the question involves her taking early benefits at age 63 so the reduction in her benefits due to her earnings would apply.
To repeat the distinction. The reduction of benefits involves earnings from employment (or self employment) and the taxability of benefits involves income from all sources.

