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Spousal Social Security benefits are retroactive and can be paid via a lump sum when the file-and-suspend strategy is used. When this option is used, the couple can retroactively receive benefits from the time of filing. If this step is taken, the couple retroactively receives primary and spousal benefits that would have been paid out if they had been receiving monthly payments the whole time. Unfortunately since your spouse has been taking benefits the entire time then you cannot collect retroactive benefits. The spousal benefit and the normal retirement benefit do not stack, you do not get your retirement benefit plus your spousal benefit. You get the higher of the two. The are also options with file and suspend and restricting benefits that can happen but that election happens at full retirement age. So no, since she has taken her normal ss retirement benefit she is not eligible to receive retroactive benefits. If the 50% of your benefit is higher than her benefit then you can take the spousal benefit instead.
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