Thank you for taking my question
I waited until age 70 to collect my social security partly because my wife who is born in 1953 could still apply for half of my social security benefits when she will reach 66 FRA next March. I was hoping that she would get half of $ 1100 which is my delayed benefits but the social security agent told me that would get only $ 428 which is half of my social security benefits at 66 and not of the delayed benefits. I got your boook but didn't see that.
Thanks
John

Hi John,

Sorry that you misunderstood that, but the correct information about the rate of spousal benefits is in the book on page 56 among other places. And, even though your wife won't initially benefit from the delayed retirement credits (DRC) you earned by waiting until age 70 to start drawing your benefits, she would potentially be able to receive your full age 70 rate inclusive of DRCs as a widow should you die first.

Best, Jerry