No. of Recommendations: 1
I'm 67 and have not started Social Security, mostly because of wanting to increase the spousal benefit that will be available to my wife who is ten years younger.

In my case, DW is older, and I have been receiving a spousal benefit. Spousal benefits are figured at 50% of what the original social security collector would have received at FRA (full retirement age). DW didn't claim until she was 70 -- but my spousal benefit was not based on 50% of what she received then, but on 50% of what she was entitled to at FRA.

See: https://www.thebalance.com/how-the-the-social-security-spous...

culcha
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