My wife started taking ss at age 62. She turned 66 on May 15, 2016. I was hoping to file and suspend when I turn 66 on January 16, 2017. It sounds like my wife turned 66 two weeks and one day too late. Am I correct?

Hi,

No, it doesn't sound like it. In the first place, you don't want to file and suspend when you turn 66. Instead, you want to file a restricted application for spousal benefits only effective January 2017, then you can apply on your own record effective January 2021.

As long as your wife doesn't voluntarily suspend her benefits when you become entitled on her record, you will be able to receive spousal benefits for 4 years while still accruing delayed retirement credits on your own record.

Best, Jerry