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If your wife draws a benefit now, her benefit will be forever reduced. This is true, even if she later takes your benefit.
She still will not get the full 1/2 of your benefit.
So if she takes her benefit at 66, there is no reduction, correct?
That is correct. If she takes her own benefit at 66 there is no reduction
And, she can switch to your benefit once you draw and get a full 50% of your benefit
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