Social Security Questions? Ask a Social Security Expert
That is not correct. Note, you can defer SS until age 70 when you will be entitled to the maximum benefit based on your earnings. But she will still receive her same amount adjusted for any cost of living increases. Likewise, if you were to pass away, she is entitled to the higher of the two benefits. So, in that scenario, by you deferring, if you were to pass away after age 70, she would receive more. But simply by you still working, when you both start collecting, her benefits are not affected.