Social Security Questions? Ask a Social Security Expert
The issue is that your spouse may be eligible for social security benefits on her own record and for spousal benefits.
If she is ELIGIBLE for social security benefits based on her own earning record - she may not elect spousal benefits instead of her own.
She will be paid her OWN benefits.
If she is eligible for both - benefits based on her own record and spousal benefits - she will be paid her own benefits first plus additional benefits if spousal benefits are larger.If she is thinking to receive spousal benefits INSTEAD of her own - that will not work such way.If she wants to delay her social security benefits till 70 - that is possible - but in this case - she would not receive any benefits.