My wife is 63 and I am 61. We both work and have SS benefits. She was 63 as of Jan 1st 2016 so we believe that she can still opt to take a spouse benefit at age 66 (her FRA) and delay taking her own benefit letting it grow. I will be 62 at that time and taking early SS benefits before she files. Since she is FRA I believe that she will be entitled to half of my FRA benefits even though I am taking benefits early. Does this assessment sound correct?

Hi,

Yes, all of your statements appear to be factually correct. However, you may want to consider running the maximization software available on this website before you apply for benefits, just to be sure that you're making the best possible choices.

Best, Jerry