OK, no, your well meaning friend is wrong. A wife/spouse can never collect the other spouse's full amount unless he dies. So let's not go there. She can only collect a "spousal" or her own, prior there to. Now, she COULD collect a spousal off of you IF you applied yourself, but that would mean you must file early if you want her to collect that now. And it wouldn't be much more than what she gets now since she'd only get about 35% of your rate, because she is only 62. Moreover,that would mean you wouldn't be "waiting" to collect yours, because prior to your full retirement age, you can not "file" and then "suspend".
If she get's 500 at age 62, since that is only about 70% of her primary insurance amount, her PIA is about 750 give or take. She will always suffer a 250 reduction off of a benefit if it is her own or spousal. Taking at age 62 costs her much.
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