If my wife claims at 62, how will that affect her benefit when I die? ( I will not start my benefit for another two years at age 70). Will it be smaller overall because she started at 62. Thanks very much.
No, regardless of when your wife starts drawing her own benefits she could receive up to your full benefit amount as a survivor if you die before her. She wouldn't get both her own benefit rate and yours, however, just the higher of the two.