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It gets complex and I am not expert but my understanding is that if you are you full retirement age which varies by when you were born, like 66, then you can do a "File and suspend" (google this) on your account to let her collect benefits based on your earnings.

I'm not there yet, but from what I have heard you can make an appointment to go into your local social security office and they will walk you through most of your options pretty well.

Greg
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