Ask Social Security Questions and Get Answers ASAP
Hi from Just Answer. I'm PDtax, and will assist.
File and suspend is not available until one of you has reached full retirement age (FRA). If you want some benefits now, and you are both eligible for benefits, I might suggest that your wife claim her benefits now. Here's why:
Your benefits can continue to grow, and she can claim a spousal benefit once you claim (if that increases her payout).
If you predecease, she would be eligible for a widow's benefit based on your full Social Security benefit.
If other sources of funds are available until you reach FRA, that might be a better option. Drawing on other retirement assets, even borrowed funds against your home or other strategy would allow her benefit to increase at 7% or so each year you can defer her claiming benefits.
Thanks for asking your question at Just Answer. Positive feedback rating my response will credit me with assisting, and close out your question. I'm PDtax.