Social Security Questions? Ask a Social Security Expert
If your spouse, takes early benefits, the penalty will remain, even if she switches to spousal benefits, when you are at full retirement age,
between age 62 and their full retirement age, the amount will be permanently reduced by a percentage based on the number of months up to his or her full retirement age.
At age 63 the penalty would be around 20%, if she can delay taking it by one year she would save about 12%, so she could receive 12% more
You did not actually answer my question. If my wife now applies for SS at 63 based upon her own account will she be able to claim a higher benefit based upon my account when I turn 66 and apply for benefits or will she continue to only get her SS that she would be receiving at her age 63 and on her own account?