I am 71, and started my retirement benefit at 70. My wife is 62 and just started receiving her spousal benefit. She does not qualify for benefits on her own record. If I pass away prior to my wife reaching her FRA, can she continue to collect her current spousal benefit until her FRA, and then switch to her 'maximized' survivor benefit?
No, she can't. If you die before she reaches full retirement age, which is 66 in her case, her benefits will automatically convert to reduced widow's benefits effective with the month of your death.