Good morning David,
I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.
So long as you have been married at least 9 month before you die, your wife will be eligible to receive a social security survivor benefit at your death. The benefit will be equal in amount to the benefit that you are collecting as of the date of your passing.
And while she can take a survivor benefit as early as age 60 (50 if she is legally disabled) taking the benefit before she reaches age 66 would be deem to be taking an early benefit and the amount she receives would be as little as 71.5% of your benefit at age 60, up to 100% of your benefit at her full retirement age---which is presently 66 years and about 6 months based on her present age.
As your spouse, if she is not eligible for Medicare based on her own lifetime earnings, she will qualify for Medicare based on your earnings and she can take her Medicare benefit at age 65.
Because she has worked for much of her life, it looks like she qualifies for Medicare on her own and she will also qualify for a retirement benefit. The one issue would be whether her taking a survivor benefit would pay her more than her own retirement benefit and social security will tell her that when you pass and she will be entitled to tale the benefit that pays her the most.
You may reply back to me using the Reply link and I will be happy to continue to assist you until I am able to address your concerns, to your satisfaction.
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I wish you and yours the best in 2016,