I am think about taking ss this year. My wife needs to wait 15 years to get full benefits off my ss. We know she will get 50% of my PIA. Will that PIA be what we see today or will there COLA's added to it in the next 15 years?

Hi. If your wife claims for spousal benefits at her full retirement age (FRA) and if she's not eligible for higher benefits based on her own earnings history, she'll be paid 50% of your primary insurance amount (PIA) at the time she becomes entitled to benefits. That would include any cost of living increases that you've accrued up to that point.

Best, Jerry