My wife is 66. Her social security benefit is $1100. I will turn 66 in a few months and intend on retiring and collecting my benefit in December. My benefit amount is
$2700. My question is can my wife retire now, collect her benefit then switch to receiving half of my benefit in December
Thanks

Hi,

Yes she could, but a better plan might be for you to file a restricted application for spousal benefits only when you reach age 66 and allow your own benefit rate to grow until age 70. You could then switch to your own retirement benefits at age 70, which would have grown by 32% by that time, and your wife could then file for spousal benefits on your record. That would also provide your wife with her highest possible widow's rate if you die before her.

Before filing, you and your wife should strongly consider using our maximization software to compare your options and determine your best filing strategy.

Best, Jerry