Later she will be able to claim SS based on her husband's SS. If her SS payment is less than what she will be eligible under her husband's, claiming hers now may not result in a reduction of benefits. My reading of things is that starting early, before "full retirement age", will ALWAYS reduce payments, regardless of whether they are based on one's own or one's spouses amount.Referencing this: http://www.ssa.gov/retire2/yourspouse.htm#a0=0Excerpted from the section titled How Much Will My Spouse Receive?If your spouse is under full retirement age and qualifies on his or her own record, we will pay that amount first. But if he or she also qualifies for a higher amount as a spouse, they'll get a combination of benefits that equals that higher amount. If he or she begins receiving benefits: between age 62 and their full retirement age, the amount will be permanently reduced by a percentage based on the number of months up to his or her full retirement age.