I'm 68 on ss and I started at FRA. My wife is 64 and earned her own ss but her spousal benefit would be much higher. Our question is about her eventual survival benefit when i pass. Will her future survivor benefit be affected if she takes spousal benefit at 65. I know her spousal benefit will be reduced but I dont know if her future survivor benefit will also be reduced.

Hi. No. Widow's benefits are calculated independently based on the widow's age at the time that they start drawing widow's benefits. Any reduction for age that applied to the widow(er)'s own benefit rate or their spousal rate would not carry over to their benefit rate as a survivor. So, regardless of when your wife starts drawing her spousal benefits her survivor rate would be unreduced as long as she doesn't start drawing those benefits prior to her full retirement age (FRA).

Best, Jerry