If my wife takes her social security at 63 or 64 her FRA is 66.8 and i take mine at FRA is 66.6 she is 63 and i'm 64 would she still get my full amount if i die or still get 50% of mine.

Hi. Your wife could still get your full benefit amount as a widow even if she starts drawing her own benefits early, as long as she doesn't start drawing the widow's benefit prior to her full retirement age (FRA). She couldn't collect both her own benefits and your full benefit rate at the same time, though, just the higher of the two amounts.

By the way, when I refer to your 'full benefit amount', I mean the amount that you were collecting at the time of your death plus any subsequent cost of living increases. Therefore, the sooner that you start collecting your benefits prior to age 70, the lower your wife's potential survivor rate could be.

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