Social Security Questions? Ask a Social Security Expert
The maximum benefit depends on the age you retire. For example, if you retire at full retirement age in 2016, your maximum benefit would be $2,639. However, if you retire at age 62 in 2016, your maximum benefit would be $2,102. If you retire at age 70 in 2016, your maximum benefit would be $3,576.
So - based on your information - you delayed your benefits after your full retirement age - and the amount $3568 includes that increase.
The "primary insurance amount" (PIA) is the benefit (before rounding down to next lower whole dollar) a person would receive if he/she elects to begin receiving retirement benefits at his/her normal retirement age.
Your spouse's benefits would be determined based on YOUR benefits at your full retirement age (without considering that increase because of delay).
Then - these benefits may be reduced if your spouse will start before her full retirement age.
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