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Since your wife is under the age of 66, she cannot draw the spousal benefit and allow her own benefit to grow.
She can do so at the age of 66 - allowing her benefit to grow to age 70, but not before full retirement age.
If your wife draws the social security benefit now, her own benefit will be reduced at the level of age 64, so there's no benefit to drawing the spousal benefit early if you want your own full benefit at full retirement age
That makes sense, but wanted a second opinion. We were led to believe that she could file early and draw 50% of mine while deferring hers to full retirement. Apparently Uncle won't go for that. Thanks. HAGW.
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