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If you predecease your wife, the amount she receives will be based on what you would have received at your full retirement age (currently 66 +2 months), not the amount you receive by deferring until age 70.

No, definitely not. This is one of key reasons to delay Social Security for married couples. The higher payments will be received based on the joint life expectancy of a couple. Spousal benefits are limited to 50% of the FRA of higher earning spouse.

A surviving spouse can collect 100 percent of the late spouse’s benefit if the survivor has reached full retirement age, but the amount will be lower if the deceased spouse claimed benefits before he or she reached full retirement age.

Full retirement age for survivor benefits differs from that for retirement and spousal benefits
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