Ask a Social Security Question, Get an Answer ASAP!
Thank you for your question. My name is XXXXX XXXXX I would be happy to assist you today
How are you doing?
Unfortunately, File and Suspend is only available to you when you reach full retirement age, which is currently age 66.
So, you could not file and suspend now, even though your wife is over full retirement age.
You can read about this, HERE
Is there any way for my wife to claim a spousal benefit now?
The only way for your wife to receive a spousal benefit now, would be for you to file for social security benefits.
However, you would not actually receive benefits because of your work.
So, you could file now, and know that anything they pay you, they are going to want back. This would open your record and allow her to draw a benefit. Your benefit may not be as high as it would have been had you drawn at full retirement age, but the impacts would be negligible in my opinion
I am not clear on what, "...and know that anything they pay you, they are going to want back" means.
Your benefit is reduced based on your work when you retire early. You make too much, and therefore are eligible for no benefit
But they may process your application and start giving you a benefit anyways, until they get information on your pay from the IRS
then they will show that they overpaid you and ask for that back