I am 67 years old and filed early for SS benefits at age 64. My wife is 66 years old and wants to file a restricted spousal application and delay filing based on her own earnings until age 70. My question is will her spousal benefit equal 50 percent of my current check or what I received when I was 66 last year or what I received when I filed early at age 64? Thank you.
Your wife's spousal rate will be based on 50% of your primary insurance amount (PIA). Your PIA is the amount that you'd be receiving if you had started drawing your benefits when you reached full retirement age at age 66.