Hello Larry,
I have a spousal benefits question for you:
I am 69. I started collecting my SS benefits when I reached full retirement age of 66. My current monthly SS check is $1,470.
My wife is turning 62 next month. Her estimated monthly SS check at full retirement age will be around $2,300.
Would it be worthwhile for any of us two to claim spousal benefits at any point?
Thank you very much!

Hi,

Assuming that the benefit amounts listed in your question are accurate, then the answer is no. You couldn't qualify for spousal benefits on your wife's record because you're already receiving your own benefits and your benefit rate is more than 50% of your wife's unreduced rate (i.e. primary insurance amount, or PIA).

Your wife couldn't qualify for spousal benefits because she couldn't file for spousal benefits without also applying for her own benefits. That's because she was born after January 1 1954, by the way (https://www.ssa.gov/planners/retire/deemedfaq.html). And, since your wife's own PIA exceeds 50% of your PIA, she wouldn't be eligible for spousal benefits.

Best, Jerry