I realize you have a question about social security. My goal is to provide you with excellent service, and help you better understand your options.
How are you today?
Your wife cannot start drawing a social security benefit off your work record, until you file for your benefit
You must be full retirement age to "file and suspend" which would allow her to draw off your benefit, while you continue to work.
If she has a benefit off her own record, she can draw that until you get ready to draw your benefit.
I'm sorry if you expected otherwise. Please let me know if you have further questions about this matter
If not, please take a moment to rate my response as 'excellent' so that I may receive credit for assisting you today
Thanks. For clarification, can I file for benefits, making her eligible, at any stage or only at full retirement? Then I would suspend my own payments and accrue until I have hit the maximum?
Thanks for your follow up. You can only file and suspend if you are full retirement age.
However, you can apply for your benefit prior to full retirement age