Social Security Questions? Ask a Social Security Expert
Hi from Just Answer. I'm PDtax, and can assist.
The social security survivor's option is not applicable until she is a survivor. Her application should be for her benefit based on her earnings, or yours as a spousal benefit.
If she applies for a spousal benefit, at her age, she could expect $1250 per month, based on 50% of your benefit you draw. She has a choice; benefit on her record or yours.
If she claims a spousal benefit, her benefit based on her work history will grow at 8% per year until age 70.
Applying at a Social Security Office will allow the agent to analyze the math involved.
Thanks for asking at Just Answer. Positive feedback is appreciated. I'm PDtax.