Here's my scenario:

... My wife turned 64 on Sept 9, 2020. (born in 1956)
... She files now for early SS
... I was born in 7-28-53... so I file for SPOUSAL BENEFITS on her SS
... when I turn 70, in 2023, I take my FULL SS.
... can my wife then SUSPEND HER SS. (She will be past her FRA) and then let her SS grow until she turns 70 and then claim ???

thank you so much.

Leslie

we are getting conflicting answers from SS & our financial adviser

Hi Leslie,

Yes, your wife could voluntarily suspend her benefits anytime between her full retirement age (FRA) and age 70. You wouldn't be able to collect spousal benefits for any month(s) that your wife's benefits are suspended, but that won't be an issue if she doesn't suspend her benefits until you switch to drawing your benefits. Just to be clear, though, your wife wouldn't be able to collect spousal benefits while her own benefits are suspended.

Best, Jerry