Social Security Questions? Ask a Social Security Expert
Hi from just answer. I'm PDtax, and can assist.
She can apply for s spousal benefit, but she will not be eligible for a full 50% spousal benefit until she teaches full retirement age herself. Her benefit would be reduced by some 14% or so for claiming at age 64.
Your benefits would remain the same. Her benefits would continue to grow on her own work record, and she can claim her own benefit later on.
Thanks for asking at just answer. Positive feedback is appreciated. I'm PDtax.