My wife and I are both age 62. I would like to keep working until full retirement age (66). We have been married since 1973. Can she start taking her SS at 62 (early) for $574/mo, and then switch to her spousal benefit when I turn 66, as long as I start taking my full retirement benefit? ($2623/mo). Thank you
No, your wife couldn't switch to your record. If she starts drawing retirement benefits before full retirement age (FRA), her benefit rate will be reduced and she will be stuck with that reduction for as long as both of you are living.