I am turing 65, m FRA is 66 and plan on supending SS until I am at 67. I will not need Medicare as well until I turn 67. My wife is 63 and will turn 65 at the same time I turn 67. In this way I am mantaining medical insurance up and until she can be on Medicare. Having said this, if I retire at 67 when can she claim the full 50% sposual from SS? She has been a stay at home mom and does not have enough credits to receive any SS on her own.