Dear Mr. Kotlikoff,
I will be turning 66 in November of 2019. My FRA Benefit will be $2,300/month($27,600/year). My wife will reach her FRA in July 2020 with FRA benefit $2,600/month ($31,200/year).
1. If I file for my FRA Benefit this November, can she claim half of mine and wait till her 70 to get the max?
2. Does she have to wait till her FRA (July 2020) to claim this Spousal Benefit?
3. Does she have to apply for her FRA benefit and suspend it in order to claim the Spousal Benefit?
Thank you so much for your time.