My wife never worked. If I draw early SS benefits, (age 64) and she draws early Spousal benefits, (age 62) and I die, can she continue with spousal benefits until reaching FRA and then file for Widow benefits? 82.5% of my PIA is $1900 and my early benefit is $2000. How does her age affect this if not at her FRA?
No, spousal benefits are auxiliary benefits paid on the record of a living spouse. You can't receive auxiliary benefits on the record of a deceased spouse, although you could receive survivor benefits instead.