Good afternoon John,
I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.
The file and suspend strategy is not used by your wife so she can collect a spouse benefit. You would have to file and suspend and that would allow your wife to claim a spouse benefit. But because neither of you will be 66 by April 30, 2016, neither of you will ever be able to file and suspend.
As for a spouse benefit, keep in mind that a spouse benefit is limited to 50% of your retirement benefit at your age 66. To get that you would have to be taking your social security benefit and your wife would have to be 66. She can get a spouse benefit at 62 but then it is only 35% of your benefit.
Finally, the penalty that will apply to you social security benefit based on you having your CSRS pension will effect a spouse benefit as well.
Your social security benefit will be reduced by roughly 50% of your CSRS pension. Your wife's spouse benefit will at most ever be 50% of that number. So, it is probable that a spouse benefit will never be greater than the benefit your wife is eligible to receive on her own work account.
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