Social Security Questions? Ask a Social Security Expert
Hi from just answer. I'm PDtax, and will assist.
Her claiming early discounts the amount of her benefit fit purposes of what you get as a spousal benefit. If her FRA (full retirement benefit) at age 66 is $1500, her age 64 benefit might be $1275. Your spousal benefit might be $638.
Her benefit would continue to grow until she chooses to draw a benefit. File and suspend does NOT reduce her future benefit.
Thanks for asking at just answer. Positive feedback is appreciated. I'm PDtax.