My wife was born 1952 and her estimated ss is 400.00 , I was born 1962 can my wife claim ss against my account and I keep working or do I have to be if retirement age?

Hi. No. Your wife couldn't qualify for spousal benefits until you start drawing your Social Security retirement or disability (SSDI) benefits. You and your wife may want to strongly consider using our software (https://maximizemysocialsecurity.com/purchase) to fully analyze the options available to you in order to determine your best strategy for maximizing your benefits.

Best, Jerry