Social Security Questions? Ask a Social Security Expert
Hi. I'm PDtax, and will assist.
The response you typed is technically correct. However, I believe you can do better.
A spousal benefit claimed before she teaches full retirement age would indeed be reduced. Best advice: have her continue collecting SSDI until FRA.
Once she reaches FRA, her benefit concerts to social security. She can then claim a spousal benefit, which would be the 50% benefit you expect, increasing her benefit payment. That is the difference in the answer you typed. Best: you claim after FRA when you wish. That locked in your benefit and sets the base for her 50% benefit in four years.
Her monthly benefit on her work record will not increase. Her spousal benefit will. That's the missed difference.
Thanks for asking at just answer. Positive feedback is appreciated, as is a bonus if warranted. I'm PDtax.